Insureon vs Resilience: How Do They Compare for Cyber Insurance?

Insureon markets cyber insurance and offers online quote requests for small businesses. ³Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ⁶Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.

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Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. ⁷Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published.

The page identifies businesses holding sensitive information and businesses responsible for client cybersecurity as relevant audiences; carrier eligibility is not disclosed. ³Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ⁶Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).

The page describes first-party breach-response costs and third-party liability as distinct cyber exposures, and notes that they may be packaged differently. ³Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ⁶Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.

The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.

Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. ⁶Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote.

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Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. ⁶Company-reported. "The Resilience Advantage" section of the cyber product page.

The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. ³Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

The reviewed cyber product page does not describe a self-service online application or quoting process; it routes visitors to request a quote or watch a product overview rather than showing an application flow. ⁶Not publicly disclosed. Cyber Insurance product page, accessed 2026-09-23.

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Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. ⁸Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified.