*Cyber Ctrl PD+ *
Intellectual Property insurance for US Defence & Abatement including Infringement Liability, Indemnified Party Infringement Liability and Rights Protection
Get in Touch
Cyber Ctrl is TMK's most advanced cyber product yet, blending enhanced expert insurance coverage with proactive risk management, rapid incident response, and what is arguably the market’s leading claims service. Our next generation offering provides essential coverage across First Party and Cyber Liability and a range of coverage enhancements, including Cyber Ctrl PD+ (Physical Damage).
Line Size: Up to $30m
Cyber Ctrl PD+: Bridging the insurance gap
Many organizations face a material gap in coverage between their cyber and property insurance programs. Most cyber insurance policies exclude physical damage losses as standard, and many property insurance forms include a cyber exclusion.
TMK’s Cyber Ctrl PD+ product enhances our comprehensive Cyber Ctrl coverage with affirmative cover for physical damage and ensuing business interruption resulting from a cyber-attack, allowing organizations to bridge this gap. More specifically, ‘Cyber Acts’ that are excluded under the standard LMA 5400 Property Cyber and Data Endorsement are affirmatively covered within Cyber Ctrl PD+.
Industry exposures
In today’s connected world, most organizations rely on control system environments that interface directly with physical devices. Examples include:
Power, utility, and industrial companies reliant on SCADA systems to manage critical infrastructure
Manufacturers running distributed control systems to keep production lines moving
Healthcare providers relying on connected medical devices for patient safety and care delivery
Professional and financial services firms operating or building automation systems to maintain comfortable and safe working conditions within their office and data centre environments
Loss scenarios
Increased connectivity provides great analytical and efficiency benefits, but it also increases the exposure of physical systems to cyber risk. Potential scenarios include:
Mining Concentration Plant
A threat actor compromises the condition monitoring system of a concentration plant mill. The monitoring system relays data in real-time to an automated control system to prevent machinery breakdown.
Critical warnings related to excessive vibration are disabled by the threat actor, giving operators the false impression that the mill is running safely. Over several hours, undetected vibration accelerates fatigue in the main bearing assembly, causing the mill to abruptly seize.
The sudden stoppage results in damage to the mill shell, cracks in the foundation and collateral damage to connected conveyor systems. Production halts for weeks while the mill is repaired, resulting in a business interruption loss.
Liquid Natural Gas (LNG) Terminal
A threat actor compromises an LNG terminal’s control systems, spoofing tank sensor readings to disguise their forced continuation of LNG inflows. The threat actor also disables boil-off gas compressors and operator alarms, meaning that dangerous overpressure conditions develop undetected.
Excess vapor vents through pressure relief systems and begins accumulating around the tank farm. Operators, unaware of the actual conditions, fail to respond in time. A dense cloud of LNG vapor spreads across the site and an ignition source triggers a vapor cloud explosion. The blast wave damages pipelines, compressors, and surrounding infrastructure, ignites secondary fires, and halts production.
Supermarket Cold Storage
A threat actor compromises supermarket refrigeration monitoring and control systems. Automated refrigeration units are disabled, temperature alarms are suppressed and cooling systems are shutdown. By morning, food temperatures have risen well beyond food safety thresholds. Supermarket suffers spoilage of perishable food inventory, operational disruption as refrigerators need to be restocked and reputational damage linked to food safety concerns.
Coverage highlightsStandard coverage under TMK Cyber Ctrl:
Breach Response Expenses
Digital Asset Loss
Hardware Replacement Costs
Business Interruption
Cyber Extortion
Cyber Crime
Privacy, Security and Regulatory Liability
Reputational Harm
Enhanced coverage available under TMK Cyber Ctrl PD+:
Property Damage
Debris Removal
Demolition and Increased Cost of Construction
Stock Spoilage
Mitigation Costs and Extra Expense
Expediting Expenses
Claims Preparation Expenses
Territories: Worldwide (subject to licensing)Line size: Up to $30m
We have a strong underwriting appetite for risks in the following sectors/segments:
Manufacturers (Food and Beverage)
Construction
Utilities and Power Generation
Mining, Oil and Gas
Energy
Accommodation and Food Services
Retailers (Supermarkets etc)
We know that fair claims handling builds stronger client relationships and supports overall market growth.
Our Claims service has been rated “Outstanding” by brokers consistently since 2017 because we:
See things through the clients’ lens
Understand our clients’ perspectives, and the meaning and importance of a loss to them
Act not in a transactional way but a human way, empathetically and always fairly and with kindness
Tokio Marine Kiln is a leading international insurer with a reputation for specialist underwriting excellence, great people and innovative products. As part of one of the largest insurance groups in the world, our underwriters are empowered to assess each individual risk, to make on-the-spot decisions and to find the right solutions for our clients’ needs.The ability to settle valid claims quickly and fairly in a human way is central to our business philosophy, and our adjusters are empowered to exercise their professional judgement to deliver an exceptional customer service.
Tokio Marine KilnTokio Marine Kiln Syndicates Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number: 204909. Its registered office is located at 20 Fenchurch Street, London EC3M 3BY Registered Number: 729671. Tokio Marine Kiln is a trading name.
What makes us different?
Leadership capability: TMK leads the majority of the risks it writes, and is one of the largest insurers trading in the Lloyd’s insurance market by GWP. Our renowned underwriting expertise is complemented by market leading talent within Claims and Wordings
Empowered expertise: Our underwriting and Claims experts have the authority to make informed decisions quickly
Experience: We have been writing Cyber risks since 2003
Scale and stability: We are part of one of the largest insurance groups in the world, Tokio Marine Group, which was founded in 1879
Outstanding service: We have paid more than $500m in cyber claims, and are recognised for Outstanding Claims & Underwriting service by brokers
Innovators in mitigating risk: Our specialist team can identify vulnerabilities using cutting edge data and technology and notify clients to prevent risks and losses
