*Cyber Reinsurance Solutions*
White-Label Reinsurance
Cyber Reinsurance Solutions is currently white-labelling commercial and personal cyber products.
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Cyber Reinsurance Solutions
White-label reinsurance enables insurers, MGAs, and affinity partners to launch or enhance insurance products under their own brand, while the risk capacity, structuring, and technical backbone are provided by a specialist reinsurance partner. The result: faster market entry, reduced capital strain, and scalable growth - without building everything in-house.
What it delivers
Speed to Market: Launch new products quickly using pre-structured reinsurance capacity, pricing frameworks, and wordings.
Capital & Risk Efficiency: Transfer underwriting risk and volatility off balance sheet while preserving brand ownership and customer relationships.
Brand Control: Products are distributed entirely under the cedent’s or partner’s name - the reinsurance remains invisible to the end customer.
Scalable Growth: Capacity flexes as volumes grow, across geographies and distribution channels.
How it works
Product Design: Reinsurer supports pricing, coverage structure, limits, and terms
Risk Transfer: Quota-share reinsurance provides capacity and protection
White-Label Distribution: Cedent markets and distributes under its own brand
Ongoing Support: Underwriting guidance, portfolio analytics, and performance monitoring
Why white-label reinsurance?
Lower cost. Faster launch. Reduced risk. Full brand ownership.
White-label reinsurance turns complex risk infrastructure into a plug-and-play growth engine.
Who it’s for
Insurers expanding into new products or regions
MGAs seeking rated capacity (backed by local carriers)
Affinity partners launching embedded or digital insurance
Brokers developing proprietary schemes
Typical use cases
Cyber, Tech E&O
Embedded insurance and platform-based distribution
New market entry or pilot products
Capacity optimisation for fast-growing portfolios
What we cover
Cyber Reinsurance Solutions is currently white-labelling commercial and personal cyber products with the following covers:
Commercial Cyber:
Cyber Liability:
Security and Privacy Liability
Regulatory Defense and Penalties
Media Liability
PCI Fines, Assessments and Expenses
First Party Cyber:
Business Interruption
Digital Asset Destruction and Security Upgrades
Reputational Harm
Cyber Extortion
Breach Response Expenses
Hardware Replacement
Cyber Crime
Additional First Party Loss
Personal Cyber:
Device and Data Replacement
Identity Theft
Cyber Bullying
Tokio Marine Kiln’s cyber reinsurance solutions stand apart from the market through a combination of technical depth, scale, and real-world cyber expertise.
Our offering is built on highly specialised, continuously updated policy wordings that address the full spectrum of cyber liability, ensuring relevance as threat vectors, regulation, and loss patterns evolve. This is complemented by an award-winning claims capability with a strong emphasis on proactive portfolio management - supporting cedents not just at the point of loss, but across the lifecycle of the portfolio.
With access to uncapped reinsurance capacity, a globally coordinated team of specialist cyber underwriters, and partnerships with some of the world’s most advanced breach response providers, Tokio Marine Kiln delivers resilience, confidence, and long-term stability in an increasingly complex cyber risk landscape.
Our approach has always been about listening, understanding what a claim truly means to our clients, and delivering outcomes with both decisiveness and kindness. It is grounded in our founder’s mantra:
Our Claims service has been rated “Outstanding” by brokers consistently since 2017. 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.
“It's the personal touch with TMK. There's always someone to speak to - they make time for you.”Broker
“TMK has a yearning as a Claims team to help.”Broker
“When we have difficult claims, we know full well we will get a good response.”Broker
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 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.
