Layr vs Resilience

Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. ^9,1,2,5

The reviewed sources identify Layr Holdings, Inc., its leaders and several investors, but do not disclose a current controlling parent or ownership percentages. ^9,10,12

Layr says a participating brokerage can offload small-business sales, service and support to Layr while retaining broker-of-record status and 100% of its commissions. ^2,6

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^15,17,18

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. ¹⁶

Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. ^4,11

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. ^19,21

Layr says it works with major national insurers, accesses other markets through wholesalers and can use a brokerage customer's existing carriers. It does not publish a current legal-entity carrier panel or promise that every market will quote every account. ⁶

The reviewed current product, portal and FAQ pages do not identify the issuing insurer or policy form for each available product. Those details must come from the actual proposal and policy. ^4,7,6

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. ¹⁶

Layr's current broker FAQ says Layr receives a percentage of premium while the brokerage keeps 100% of commissions. A separate consumer-facing disclosure says carriers pay Layr a commission and businesses may pay a finance fee of up to 20% of premium. The pages do not reconcile which arrangement applies to a particular broker, policyholder or payment plan. ^6,8

Layr's consumer-facing compensation disclosure says a business that uses its monthly credit-card payment arrangement can pay a percentage-based finance fee of up to 20% of premium. The page does not provide an account-specific rate, total repayment or cancellation terms. ⁸

The reviewed broker, contact, legal and product pages do not disclose a standard customer fee schedule or insurance commission rates. Request an itemized premium, taxes, placement fees and any separate security-service charges. ^{19,21,16,24,17,18}

Layr markets a white-labeled portal with licensed support and broker dashboard updates for policies, renewals, claims and payments. A company release also describes policyholder access to documents, quotes, claims, certificates, bills and electronic payments. ^5,12

Layr says its team gathers updates, negotiates renewal terms with underwriters and finalizes renewal documents. It describes automatic-renewal policies as hands-free and says customers whose policies need updated information are alerted 60 days before renewal. ⁶

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^22,23

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ¹⁶

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^19,17,18