--- title: "Resilience vs Zurich U.S.: Cyber Insurance" description: "Resilience pairs cyber insurance with threat monitoring and breach simulations." canonical: "https://spot.insure/compare/resilience-vs-zurich/cyber" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "resilience-vs-zurich" provider-a: "resilience" provider-b: "zurich" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/resilience-vs-zurich/cyber) ## Agent Guide **What this page is:** Focused comparison of Resilience and Zurich U.S. for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cyber Insurance questions about Resilience versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Resilience vs Zurich U.S. for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Resilience or Zurich U.S.? - What does Resilience or Zurich U.S. publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from Resilience or Zurich U.S.? **Key facts:** - Line: Cyber Insurance. Providers: Resilience and Zurich U.S.. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Resilience vs Zurich U.S.](https://spot.insure/compare/resilience-vs-zurich) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [AIG vs Resilience Cyber Insurance](https://spot.insure/compare/aig-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/aig-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) # Resilience vs Zurich U.S.: How Do They Compare for Cyber Insurance? Resilience pairs cyber insurance with threat monitoring and breach simulations. ## Research Scope and Use Use this comparison to evaluate Resilience and Zurich U.S. for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Resilience pairs cyber insurance with threat monitoring and breach simulations. Resilience advertises limits up to $20 million, including eCrime up to $500,000, and costs beyond the policy limit for items such as legal, forensics and crisis communications. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ## What Is Resilience Insurance? Resilience suits businesses seeking cyber or technology E&O alongside security-risk services; small companies wanting a standard commercial package should compare other providers. Review the proposed policy separately from its risk-management tools. [1](https://cyberresilience.com/ "Home Page") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [Resilience profile](https://spot.insure/insurance-providers/resilience) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [6](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [10](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## Key Differences in Cyber Insurance ### Coverage and contract terms Resilience pairs cyber insurance with threat monitoring and breach simulations. Its U.S. disclosure names Homeland companies as underwriters and Ocrea as distributor, though it does not identify which Homeland entity issues a given policy. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ### Risk services and incident help Resilience advertises limits up to $20 million, including eCrime up to $500,000, and costs beyond the policy limit for items such as legal, forensics and crisis communications. Zurich’s record describes primary and excess options but no capacity amount. Ask for Zurich’s account-specific limit and whether expenses can exceed it. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ### Company fit and limits Resilience describes 24/7 in-house claims and incident response with a dedicated manager through settlement. Zurich points policyholders to incident resources and offers complimentary onboarding. Buyers should compare the named contact and who coordinates legal, forensic and crisis support in the quote. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ### Buying and claims details Resilience includes threat monitoring and AttackIQ-powered simulations. Zurich’s record does not describe those specific services. Ask which prevention tools are included with Zurich’s policy and whether Resilience’s services apply to your industry and proposed form. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ## What to Confirm in Cyber Insurance Quotes - Ask Resilience which Homeland entity would issue the quote and whether its $500,000 eCrime cap is adequate; compare Zurich’s offered limit and response terms. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") ## Offering Details | Criteria | Resilience Cyber Insurance | Zurich Cyber Insurance | | --- | --- | --- | | Role in This Line | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Cyber Insurance product page description of the combined offering, accessed 2026-09-23..) | Confirm in your quote. | | Issuing Insurer | 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. [4](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | Confirm in your quote. | | Who It’s For | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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)..) | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Coverage Features | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy..) | Zurich says it can write cyber policies on both primary and excess bases. [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Limits and Retentions | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote..) | Confirm in your quote. | | Risk Services | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "The Resilience Advantage" section of the cyber product page..) | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. [8](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | How to Apply | 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Cyber Insurance product page, accessed 2026-09-23..) | Confirm in your quote. | | Claims Support | 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. [5](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) | Confirm in your quote. | ## Full Comparison - [Resilience vs Zurich U.S.](https://spot.insure/compare/resilience-vs-zurich): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [AIG vs Resilience Cyber Insurance](https://spot.insure/compare/aig-vs-resilience/cyber) - [AIG vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/aig-vs-zurich/cyber) - [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber) - [Alliance Risk vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/cyber) - [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber) - [Amelia Risk vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/cyber) ## Sources ### Resilience 1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16. 2. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology Errors & Omissions: technology risk categories; Key Benefits; primary and excess offering; A Broad Market Appetite (US revenue $25M–$10B). Accessed 2026-09-16. 3. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23. 4. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23. 5. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23. ### Zurich U.S. 6. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 7. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 8. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28. ### Cyber Insurance Guide 9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 10. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Resilience Reviews Review Score: 9.0 / 10 from 1 rated source, equally weighted. There's almost nothing public to go on. G2 shows 4.5 out of 5 for Resilience, but from a single review. - G2: G2 rating 4.5 (out of 5); 1 reviews. G2 product page for Resilience, a cyber risk management platform; claimed profile. One review, so treat as an early signal. Period: captured 2026-09-29. Checked 2026-09-29. [Resilience Reviews | G2](https://www.g2.com/products/resilience/reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/resilience/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/resilience-vs-zurich/cyber.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)