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

Resilience advertises limits up to $20 million with threat monitoring and attack simulations; Kinro is a broker that matches a carrier from revenue, data volume and MFA details.

Kinro collects MFA, backups and record counts, then matches you to a cyber carrier without publishing limits. Resilience advertises limits up to $20 million, an eCrime sublimit, threat monitoring, and a 24/7 in-house claims team with a dedicated manager. ^1,²

What Are the Key Differences Between Kinro and Resilience Cyber Insurance?

A Matched Carrier or Published Limits Plus Monitoring

Kinro matches a business to a cyber liability carrier using a control file and does not publish limits. Resilience advertises cyber limits up to $20 million, eCrime up to $500,000, extra-limit incident costs, and pairs the policy with Risk Operations Center monitoring and AttackIQ simulations. Choose Kinro if you want a broker to match appetite from MFA, backups and record counts; choose Resilience if published limits and bundled monitoring matter more. ¹ ²

In-House Claims Versus a Matched Placement

Resilience describes a fully in-house claims and incident-response team available 24/7, with one manager from triage through settlement. Kinro describes incident-response questions a placement typically addresses, without staffing an in-house claims bench under the Kinro brand. ⁴ ¹

Who Issues the Policy

Kinro does not name the issuing carrier because it matches you to third-party markets. Resilience's US disclosure names Ocrea Risk Services, LLC as distributor and Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriters. ¹ ³

What Should You Confirm in Kinro and Resilience Cyber Insurance Quotes?

Ask Kinro which carrier it is matching you to. ¹
Ask Resilience which Homeland entity would issue the policy. ³
Compare Resilience's $20 million figure with Kinro's quoted limits. ² ¹
Ask Kinro which controls changed appetite. ¹

Kinro vs Resilience Cyber Insurance Compared

Kinro vs Resilience: Cyber Insurance: documented features by provider

Criteria	Kinro Cyber Liability	Resilience Cyber Insurance
Who It’s For	Kinro says cyber liability commonly fits professional services, retail, restaurants and SaaS businesses, and typically comes up when a business stores customer, payment, employee or health information, relies on cloud tools or online payments, or a client contract requires cyber limits. ¹Company-reported. Cyber Liability page "Common fit" and "Triggers" sections.	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. ²Company-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).
Coverage Features	Kinro says cyber liability placements typically address data breach, ransomware, privacy, funds-transfer fraud and incident-response questions, along with exposures tied to vendor, payment, customer-data and employee-data handling. ¹Company-reported. Cyber Liability page "Coverage" section; actual terms depend on the carrier and policy placed.	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. ²Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
Role in This Line	Kinro is a broker: it matches a business to a cyber liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. ¹Company-reported. Cyber Liability page "Routing" and "Market fit" sections.	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. ²Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.