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
95
Carriers
11
Avg impact
+4.7%
Max increase
+94.6%
Max decrease
-27.3%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 8 | +13.4% |
| CT | 6 | +2.7% |
| MD | 6 | +2.3% |
| NC | 6 | +5.8% |
| KS | 5 | +3.2% |
| MT | 5 | -0.9% |
| UT | 5 | +0.6% |
| WI | 5 | +9.1% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Federated Rural Electric Insurance Exchange2 states | +22.9% | 2 |
| AXA Insurance Group1 states | +22.0% | 1 |
| EMC Insurance Company Group3 states | +12.0% | 3 |
| Chubb Limited Group5 states | +9.1% | 5 |
| Travelers Group10 states | +7.2% | 10 |
| Copperpoint Group1 states | +6.4% | 1 |
| Brotherhood Mutual Insurance Company1 states | +3.6% | 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% |
| Mar 31, 2026 | Federated Rural Electric Insurance Exchange | NC | Cyber Liability Coverage | +35.0% | n/a |
| 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 |
|---|---|---|---|---|
| Simple Cyber Filing | Fairfax Financial Group | New | 17 | Jun 23, 2026 |
| Beazley Breach Response 5.0 | Beazley Group | Revised | 44 | Jun 22, 2026 |
| Masterpiece | Chubb Limited Group | Revised | 20 | Jun 22, 2026 |
| Sp Cyber 26 | THE Hanover Insurance Group | Revised | 16 | Jun 19, 2026 |
| Cyber, Digitech & Pro Erm Filing | Chubb Limited Group | Revised | 23 | Jun 18, 2026 |
| Cyber Liability | Rural Trust Insurance Company | New | 3 | Jun 17, 2026 |
Top carriers
Chubb Limited Group207
Travelers Group109
Tokio Marine Holdings Incorporated Group87
Intact Financial Group86
Markel Corporation Group64
Beazley Group44
Munich RE Group42
SH1 Holdings Group42
Top states
CT60
LA46
NC46
GA45
KY42
OK42
WI41
MD40