Product background
Cyber liability covers claims and expenses tied to unauthorized access to or use of sensitive information, security failures, website content, system errors, malicious attacks, breach response, business interruption, and mitigation services.
Cyber filings are most useful when applications, policy forms, ransomware language, cyber extortion coverage, privacy exclusions, biometric privacy terms, war exclusions, infrastructure exclusions, and breach response provisions are reviewed together.
Common filing signals
- Cyber policy forms, applications, security questionnaires, and declarations
- Ransomware, cyber extortion, breach response, data restoration, business interruption, and dependent business interruption forms
- Biometric privacy, war, infrastructure, unlawful collection, tracking technology, and professional services exclusions
Rate impact
Filings
109
Carriers
13
Avg impact
+4.1%
Max increase
+94.6%
Max decrease
-34.2%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 8 | +13.4% |
| CT | 6 | +2.7% |
| MA | 6 | +1.4% |
| MD | 6 | +2.3% |
| NC | 6 | +2.9% |
| UT | 6 | +1.1% |
| KS | 5 | +3.2% |
| MO | 5 | +5.9% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| AXA Insurance Group1 states | +22.0% | 1 |
| ALPS Property and Casualty Insurance Company1 states | +15.4% | 1 |
| Federated Rural Electric Insurance Exchange2 states | +12.8% | 2 |
| EMC Insurance Company Group3 states | +12.0% | 3 |
| Chubb Limited Group5 states | +9.1% | 5 |
| Travelers Group12 states | +7.1% | 12 |
| Copperpoint Group1 states | +6.4% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 7, 2026 | SH1 Holdings Group | GA | Stand Alone Commercial Cyber | +94.6% | +960.7% |
| Feb 23, 2026 | SH1 Holdings Group | AK | Stand Alone Commercial Cyber | -34.2% | +66.5% |
| Jun 22, 2026 | Chubb Limited Group | WI | Masterpiece | +28.9% | +46.4% |
| Feb 20, 2026 | SH1 Holdings Group | MT | Stand Alone Commercial Cyber | -27.3% | +184.5% |
| May 12, 2026 | Travelers Group | CT | Cyberrisk Rate/Rule 2025-11-0754-Cyb-R | +22.8% | +300.7% |
| May 12, 2026 | Travelers Group | IN | Cyberrisk Rate/Rule/Form Filing 2025-11-0754-Cyb | +22.6% | +226.2% |
| Aug 22, 2025 | AXA Insurance Group | OK | Cyber Suite | +22.0% | +84.3% |
| Dec 12, 2025 | EMC Insurance Company Group | GA | Rule Revision | +21.0% | +100.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Chubb Cyber Enterprise Risk Management Policy | Chubb Limited Group | Revised | 35 | Aug 11, 2026 |
| -01-01-Pbr-Md-F | Medical Insurance OF MD Group | Revised | 1 | Aug 10, 2026 |
| -01-01-Pbr-Md-R | Medical Insurance OF MD Group | Revised | 1 | Aug 10, 2026 |
| -01-01-Pbr-Va-F | Medical Insurance OF MD Group | Revised | 1 | Aug 10, 2026 |
| Cyberrisk Application Filing 2026-07-0772 | Travelers Group | Revised | 4 | Aug 7, 2026 |
| the Westchester Portfolio Cyber & Professional Liability Policy Cyber Coverage Section | Chubb Limited Group | Revised | 20 | Aug 6, 2026 |
Top carriers
Chubb Limited Group179
Travelers Group125
Tokio Marine Holdings Incorporated Group88
Intact Financial Group87
SH1 Holdings Group46
Amtrust Financial Services Group44
Munich RE Group43
Fairfax Financial Group35
Top states
CT54
GA44
NC43
CO41
LA41
OK39
KY38
MO38