The next generation of Cyber insurance
Cyber insurance policy highlights include protection against data breach, business interruption, reputational harm
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TMK's Cyber Ctrl represents the evolution of cyber insurance, developed specifically to mitigate the latest attack methods used by cybercriminals in today's rapidly evolving cyber risk landscape. Our coverage incorporates over twenty years of cyber underwriting and claims expertise and is complemented by a suite of pre- and post-breach services developed by our team of Cyber Threat Analysts.
Built by specialist underwriters with more than two decades of expertise in writing cyber risks
Daily cyber threat vulnerability scanning service for all insureds and risk management expertise from our world class in-house cyber analysts, with front line experience of the most prominent cyber incidents
Bespoke insurance solutions for each client and industry
Expanded coverage, offering a complete set of solutions for the evolving threat landscape
Pre and post-breach services
Enhanced cyber insurance with integrated risk management
Enhanced cyber insurance with physical damage protection and integrated risk management
Enhanced cyber insurance, combined with Technology, Media and E&O coverage
Coming soon
Cyber Ctrl is our 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 coverages across First Party and Cyber Liability and a range of coverage enhancements.
Line Size: Up to $25m
Core coverage
Breach Response Expenses
Digital Asset Loss
Hardware Replacement Costs
Business Interruption
Cyber Extortion
Cyber Crime
Privacy, Security and Regulatory Liability
Reputational Harm
Latest coverage enhancements
Industry-specific wording enhancements for Construction, Manufacturing, Real Estate, Food & Beverage and Utility clients
Broader dependent business interruption cover – includes both IT and non-IT service providers
Enhanced business interruption triggers as standard (‘any unplanned outage’ and ‘voluntary shutdown’)
Digital Asset Loss coverage expanded to include Security Upgrade Costs
Cyber Crime coverage incorporated into base form with affirmative cover for Social Engineering Fraud, Invoice Manipulation and Cryptojacking
Enhanced First Party Loss coverage, including indemnity for SEC cyber security disclosure costs, Criminal Reward Funds, Claim Preparation Expenses and Court Attendance Costs
Affirmative cover for legal defense costs arising from allegations of wrongful data collection
Credit file monitoring services covered for more than twelve months
Core Services – available to all policyholders:
Onboarding call with our Underwriting, Claims and Cyber Threat Analyst teams
Daily cyber threat vulnerability scanning and alerting service
24/7 breach response hotline
Annual bursary to spend on cyber security services
TerritoriesWorldwide (subject to licensing)Who is this product for?
We have a strong underwriting appetite for risks in the following sectors/segments:
Financial Services
Retailers
Manufacturers
Construction
Utilities and Power Generation
Mining, Oil and Gas
Professional Services (Law firms and accountants etc)
Accommodation and Food Services
Healthcare
We have limited appetite for:
Payment processors
Gambling/gaming risks
Telecommunications
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
Claims – The Human Way
We know that fair, empathetic 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
Service you can trust
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.
