Spotlight: Cyber Risk Solutions
With Munich Re by your side, you can confidently navigate the Cyber risk landscape for businesses of any size.
Spotlight: Cyber Appetite Guide
Explore the broad range of customized cyber risk protection and management solutions for a wide range of threats.
Munich Re brings simplified access to insurance expertise
Innovative approaches, stability and underwriting expertise for specialty risks of many shapes and sizes.
The combined power of specialty insurance
Meet the digital future with confidence
Explore broad appetite for Personal and Commercial Risks
|Small business||Middle market||Corporate|
|HSB||Munich Re Specialty Insurance (MRSI)||Facultative & Corporate|
|Revenue||<$25M Up to $500M||$25-500M||>$500M|
|Product(s)||– Stand-Alone Cyber Policy (HSB Total CyberTM, admitted) – Reinsurance model is available||– Cyber Insurance policy – Tech Insurance policy – DataVaultTM||– Bespoke cyber policies|
|Target Insured(s) or Industry Segments||Broad appetite including: – Agriculture – Contractors/Construction – Freight Transportation – Industrial – Manufacturing – Warehouses/Wholesalers – and more Excluded: Adult entertainment, Cannabis, Casinos, Managed Service Providers (MSPs), Managed Security Service Providers (MSSPs), Schools||– Middle market – Wide appetite for U.S. companies, including global exposure||– Large/complex corporate insureds – All market segments (continued)|
|Retention||Options from $1,000 to $50,000||Options from $2.5K to $5M||All sizes — from $250K to $100M|
|Limit||Up to $10M||Up to $10M||Up to $10M Up to $50M standalone (net capacity)|
|Other Services||Complimentary pre-event consulting; access to Cyber Safety platform for security training, security policies, and website scanning; and WhiteHaX cyber security control scanning||– eRisk Hub® – Cyberwrite AI-enabled risk assessments – SRM risk consulting workshops for insureds – Prilock education and phishing training for insured‘s employees||Bespoke risk assessment services with unique capabilities around industrial/manufacturing business interruption and property damage|
|Contact||Rick Farmer Broker Relationship Leader email@example.com||Lindsey Nieves Broker Relationship Leader firstname.lastname@example.org||David O‘Keefe Head of F&C Distribution email@example.com|
|Munich Re Specialty Insurance‡ **wholesale only**|
|<$500M TIV||– Hotels – Foundries – Manufacturing – Commercial real estate – Vacant/unprotected property – Recyclers, etc.||Dealers open lot, cannabis, pharma, primary habitational of frame construction, chemical, blending, petrochemicals, crop growing, fertilizer, manufacturing/distribution/storage, livestock, flammable liquid, workers|
|Contact: Jim Wallace, Head of Property E&S, firstname.lastname@example.org|
|Munich Re Facultative & Corporate|
|>$500M TIV||All occupancies||Low appetite for food, glass, molten metals, and rubber|
|Contact: Ed Leibrock, Head of U.S. Corporate Property, email@example.com|
|Munich Re Specialty Insurance‡|
|Inland & Ocean Marine||– Contractors equipment – Motortruck cargo – Stock throughput – Builders risk – Transit|
|Contact: Steven Weiss, CUO, Inland & Ocean Marine, firstname.lastname@example.org|
|Public Entity||≥$425M any one risk||– Education – Religious – Municipal – Public/non-profit – Special districts||Capabilities: – Insurance – Reinsurance – Facultative certificate|
|Contact: Erin Fry, President, Public Entity Risk Solutions, email@example.com|
|Terrorism & Political Violence§||≥$425M any one risk||Worldwide appetite Perils: – Terrorism, sabotage – Strikes, riots, civil commotion – Malicious damage – Insurrection, revolution, rebellion – Mutiny, coup d’état – War, civil war – Counter-insurgency||Coverage: − Property damage to insured assets − Business interruption including extra expense/loss of profit, delay in start-up for construction risks − Contingent time element (denial of access, loss of attraction, customers and suppliers and others on request) − Construction/Builder’s risk/terrorism (up to 72 months period) − Third-party terrorism liability − Cyber terrorism − Malicious attack/active assailant − Event cancellation following an act of terrorism or threat|
|Contact: Adam Posner, Head of Underwriting, Terrorism, firstname.lastname@example.org|
|Equipment Breakdown||– All non-manufacturing/service – Real estate/habitational – Municipal – K-12 schools/colleges/universities – Light manufacturing – Retail||Low appetite: – Heavy metal – Scrap metal – Shredding – Chemical/oil/gas – Lumber/pulp/paper – Utilities power gen|
|Contact: Brian Udy, Senior Vice President, email@example.com|
|Renewable Energy||Capacity: Up to $250M||– Solar/photovoltaic installations – Biomass or biofuel power plants – Hydroelectric plants – Geothermal plants – Wind turbines – Fuel cell installations – Anaerobic digester plants – Ethanol plants – Biodiesel plants – Battery storage installations||Coverage: Operational Property; Business Interruption; Equipment Breakdown; Construction All Risk and Delay In Start Up; Marine Cargo; Third Party Liability; Asset Performance|
|Contact: Rena DelVecchio, ARM Vice President, Underwriting, firstname.lastname@example.org|
- Dwelling Fire
- Homeowner / Cat Exposed Homeowner
- Manufactured Home
- Pet Health
- Recreational Vehicles (boat, yacht, motorcycle, collector vehicle, RV, etc.)
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Policies reflected above may be underwritten by the subsidiaries of Munich Reinsurance Company (Munich Re) listed below that offer and deliver insurance products and services in North America.
- Munich Reinsurance America, Inc.
- Munich Re Facultative and Corporate1 (“MRF&C”).
- Munich Re Specialty Insurance2
- American Alternative Insurance Corporation (“AAIC”)3
- American Modern Insurance Group, Inc. (“American Modern”)4
- The Hartford Steam Boiler Inspection and Insurance Company (“HSB”).
- The Princeton Excess and Surplus Lines Insurance Company (PESLIC)5
- Cyber coverage and any related services referred to under Munich Re Specialty Insurance are provided through Munich Re Specialty Group Insurance Services, Inc. as underwriting manager with underwriting authority provided by Munich Re Syndicate Ltd. – Syndicate 457, marine and specialty insurance underwriter at Lloyds of London.6 Syndicate 457 is a surplus lines insurer and surplus lines coverage can only be placed by or through a licensed surplus lines producer or broker.
Any descriptions of coverage are meant to be general in nature, may not be available in every state, may vary by state, and do not include nor are intended to include all of the actual terms, benefits and limitations found in an insurance policy, which forms the contract between the insured and insurance company, and governs in all cases. Such products and services described here are offered by Munich Re subsidiaries, which includes, but is not limited to Munich Reinsurance America, Inc., American Alternative Insurance Corp., The Princeton Excess and Surplus Lines Insurance Company, The Hartford Steam Boiler Inspection and Insurance Company, and American Modern Insurance Group, Inc. (“Munich Re US P&C Operations”). Munich Re US P&C Operations disclaims any and all liability whatsoever resulting from use of or reliance upon this material. Any Inland flood coverage endorsement is not intended to satisfy any mandatory flood insurance requirements of the policyholder's lending institution for their mortgages or loans. Coverage to satisfy these requirements is available through the National Flood Insurance Program (NFIP). This inland flood coverage endorsement is not affiliated with the NFIP. Certain information contained herein is intended for surplus lines brokers and producers. It also is intended as general information only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries concerning Cyber coverage should be directed through a licensed surplus lines producer or broker.
All trademarks and logos reflected herein are used with the consent of their respective owners.
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1 MRF&C is a business unit of Munich Reinsurance America, Inc. 2 Munich Re Specialty Insurance is a description for the insurance business operations of affiliated companies in the Munich Re Group that share a common directive to offer and deliver specialty property and casualty insurance products and services in North America. Products and services are underwritten and provided by American Alternative Insurance Corporation and The Princeton Excess and Surplus Lines Insurance Company (PESLIC). 3 AAIC CA License # 082 4 Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including but not limited to American Modern Property and Casualty Insurance Company (CA Lic. No. 6129-1). 5 PESLIC is a surplus lines insurer and surplus lines coverage can only be placed by or through a licensed surplus lines producer or broker. 6 Lloyds of London and various Syndicates of Lloyds of London are not subsidiaries of or otherwise part of Munich Re.