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Insential, Inc.
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Insential, Inc.
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Cyber Insurance

Insential, Inc. offers a customizable Cyber Insurance program built for the evolving exposures faced by commercial clients. As a general agency with deep cyber expertise and access to multiple Lloyd’s of London syndicates, Insential provides flexible, modular solutions that let agents tailor cyber liability protections — including options to extend coverage to third-party vendors and cloud providers.

Modular Cyber Liability Coverage Tailored to Your Clients

Insential’s proprietary modular product lets you select only the coverages your client needs. Whether the account is a technology firm, healthcare provider, financial institution, retailer, or a professional services firm, you can assemble a policy that matches the customer’s risk profile. Available coverage modules include:
  • Security & privacy liability
  • Technology services liability
  • Network interruption and data recovery
  • Losses from rogue employees and social media–related incidents
  • Reputational harm and brand rehabilitation
  • Programming and human error
  • Voluntary breach notification
  • Forensic investigation costs up to full policy limits

Enhanced Features and Risk Management Support

Standard policies include built-in enhancements designed to reduce post-breach disruption and expense. Key built-ins and extensions include:
  • Payment Card Industry (PCI) fines and penalties
  • Business interruption and data restoration coverage that can be extended to vendors
  • Notification costs outside of policy limits
  • Media liability coverage extended to physical products
  • Worldwide jurisdictional coverage
  • Option to move sub-limits up to full policy limits
  • Inclusion of general liability coverage where applicable
Policyholders also receive access to IDT911* — a provider of identity and data risk management services, including breach resolution and educational resources.

Ideal Accounts for This Program

This Cyber Insurance program is well suited to small and mid-sized businesses across industries that rely on technology, handle sensitive data, or operate online. Typical fits include:
  • Marketing agencies using third-party cloud storage and email platforms
  • Regional healthcare providers with electronic medical records and outsourced billing
  • E-commerce retailers concerned about PCI compliance and vendor outages
The program can also accommodate businesses with prior breach history or those seeking stronger vendor risk management controls.

Underwriting and Premium Guidelines

Underwriting is module-driven and tailored to each client’s exposures. Minimum premiums generally start around $1,000 annually, and final terms will depend on selected modules, revenue, industry, and the client’s security controls. Insential’s modular approach helps place accounts that may not fit traditional cyber markets.

Available Nationwide on a Non-Admitted Basis

This program is available in all 50 states plus Washington, DC on a non-admitted basis through multiple Lloyd’s syndicates, offering broader flexibility for customized wording and limits.

Why Work With Insential on Cyber Placements?

Insential’s cyber team combines hands-on underwriting expertise with access to top Lloyd’s markets. That mix enables flexible policy design, responsive service, and pragmatic risk management — all focused on helping agents place and renew commercially viable cyber programs for their clients. You’ll benefit from:
  • Modular product design for precise coverage tailoring
  • Access to multiple Lloyd’s syndicates via a knowledgeable general agency
  • Built-in risk management services and incident response resources
  • Non-admitted capacity for broader appetite and customization


Example placements: You might place a regional medical clinic that needs breach response and vendor coverage, or an online retailer that requires PCI protection plus business interruption for cloud outages.

Contact one of Insential's knowledgeable insurance professionals today to determine which modules best match your client’s operations and exposures.

Frequently Asked Questions

What types of accounts are a good fit for this Cyber Insurance program?

This program is ideal for small to mid-sized businesses in industries such as healthcare, technology, retail, finance, and professional services—especially those that manage sensitive data, rely on digital platforms, or use third-party vendors.

Can this program cover third-party vendors or cloud service providers?

Yes, the program can extend liability coverage to your clients’ cloud providers and external vendors, helping mitigate third-party cyber risk exposures.

What is the minimum premium for this Cyber Insurance program?

Minimum premiums typically start around $1,000 per year, depending on the selected coverage modules and the client’s risk profile.

Is this Cyber Insurance program available in all states?

Yes, the program is available in all 50 states and Washington, DC on a non-admitted basis.

Does the program include risk management support?

Yes, your clients will receive access to IDT911* services, which provide identity risk management, breach response, and education resources.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    15%
  • Min Premium:
    $1,000 +/Year

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CONTACT INFORMATION

LOCATION

Four Westbrook Corporate Center, 500
Westchester, IL 60154
888-571-6160
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AGENCY LICENSING

Licensed in All 50 States
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