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
126
Carriers
10
Avg impact
+4.8%
Max increase
+94.6%
Max decrease
-34.2%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 8 | +12.6% |
| MO | 7 | +5.2% |
| NC | 7 | +3.7% |
| PA | 7 | +7.8% |
| MD | 6 | +2.3% |
| MT | 6 | +0.6% |
| UT | 6 | +2.0% |
| WI | 6 | +9.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Chubb Limited Group7 states | +9.1% | 7 |
| Travelers Group13 states | +7.3% | 13 |
| Munich RE Group23 states | +5.5% | 36 |
| THE Hanover Insurance Group21 states | +1.9% | 21 |
| SH1 Holdings Group22 states | -0.8% | 24 |
| Coalition Incorporated Group18 states | +0.1% | 18 |
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% |
| May 12, 2026 | Travelers Group | ME | Cyberrisk Rate/Rule/Form Filing 2025-11-0754-Cyb | +16.8% | +237.2% |
| Feb 20, 2026 | SH1 Holdings Group | ID | Stand Alone Commercial Cyber | -16.7% | +252.3% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Chubb Cyber Enterprise Risk Management Policy | Chubb Limited Group | Other | 49 | Nov 2, 2026 |
| the Westchester Portfolio Cyber & Professional Liability Policy Cyber Coverage Section | Chubb Limited Group | Other | 21 | Nov 2, 2026 |
| Cyberrisk Rule Filing 2025-11-0754-Cyb-Ru-Tpca | Travelers Group | Revised | 1 | Nov 2, 2026 |
| Exclusion - Zcip Filing | Zurich Insurance Group | Revised | 24 | Oct 28, 2026 |
| Personal Information Liability Insurance | Assurant Incorporated Group | Revised | 6 | Oct 27, 2026 |
| Beazley Mediatech | Beazley Group | Revised | 1 | Oct 26, 2026 |
Top carriers
Top states
CT49
NC49
CO48
GA47
KY37
ID36
MO36
OK34