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
122
Carriers
10
Avg impact
+4.8%
Max increase
+94.6%
Max decrease
-34.2%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 9 | +13.1% |
| MA | 7 | +2.5% |
| NC | 7 | +3.7% |
| UT | 7 | +2.2% |
| CT | 6 | +2.7% |
| KS | 6 | +4.0% |
| MD | 6 | +2.3% |
| MT | 6 | +0.6% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| 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 Group7 states | +9.1% | 7 |
| Travelers Group12 states | +7.1% | 12 |
| Munich RE Group22 states | +4.8% | 34 |
| THE Hanover Insurance Group18 states | +1.9% | 19 |
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% |
| Dec 12, 2025 | EMC Insurance Company Group | GA | Rule Revision | +21.0% | +100.0% |
| May 12, 2026 | Travelers Group | ME | Cyberrisk Rate/Rule/Form Filing 2025-11-0754-Cyb | +16.8% | +237.2% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Travelers Wrap 2.0 Cyber Form Filing 2026-01-0742-F | Travelers Group | New | 1 | Sep 14, 2026 |
| Travelers Wrap 2.0 Cyber Rate/Rule Filing 2026-01-0742-R | Travelers Group | New | 1 | Sep 14, 2026 |
| Personal Information Liability Insurance | Assurant Incorporated Group | Revised | 5 | Sep 11, 2026 |
| Hsb Total Cyber+ | Munich RE Group | Revised | 30 | Sep 10, 2026 |
| Cyber | Sentry Insurance Group | Revised | 4 | Sep 9, 2026 |
| Commercial Cyber Liability Insurance Program - Forms | Corgi Insurance Company, Inc. | New | 1 | Sep 2, 2026 |
Top carriers
Chubb Limited Group174
Travelers Group154
Intact Financial Group88
Munich RE Group66
SH1 Holdings Group46
Amtrust Financial Services Group44
Fairfax Financial Group42
Beazley Group32
Top states
CT49
NC45
GA43
CO39
KY37
WI36
MO35
LA34