What Is Resilience Insurance?

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^1,3,4

For a founder or finance lead, the useful distinction is between transferring a potential loss to an insurer and deciding where to spend the security budget. Evaluate those purchases separately: a useful risk model does not establish what a policy will pay. ²

Pros and Cons

Pros

• Technology-specific scope.

  Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. ⁴

  This gives a technology team a concrete starting point for discussing liability from its products and services.

• Security budgeting tools.

  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. ^8,9

  For a finance team overseeing several subsidiaries, the portfolio view is a different purchasing consideration from the insurance limit alone.

• Defined incident support roles.

  Resilience describes a 24/7 in-house claims team, a dedicated claims manager through settlement, and outside specialists in privacy law, forensics, recovery and crisis communications. These are company-reported service arrangements, not independently measured claims quality. ⁶

  Ask how the claims manager and external responders would coordinate with your own security team.

Cons

• Early-stage fit needs checking.

  Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. ⁴

  If you are bootstrapped or pre-revenue, establish appetite before investing time in a detailed technology E&O submission.

• California access is not established by national marketing.

  Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. ^3,4,2

• Public pages do not settle the all-in cost.

  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. ^5,7,2,10,3,4

How It Works

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. ^5,7

Start by asking your broker to confirm the product and revenue appetite for your business. For a software company, describe what the software does, who relies on it and the contractual liabilities you want the quote to address. Ask which application, financial information and security evidence the underwriter actually requires; do not treat a demo request as an insurance application.

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. ²

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. ²

The distributor, your advising broker and the insurer may perform different tasks. Have the proposal identify who is placing the risk, who can authorize changes and which entity appears on the policy declarations. ²

Coverage and Availability

Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. ³

For a finance team worried about fraudulent transfers, request the actual eCrime wording and conditions rather than comparing the headline cyber limit alone. For a technology team, ask the broker to map the proposed E&O wording to your customer contracts and service commitments. The advertised limits are a starting point for those questions, not a coverage determination. ^3 4

Do not assume that an excess placement has the same scope as the primary policy beneath it. Ask for the attachment point, underlying-insurance requirements and any differences in wording. For a Bay Area company, resolve the California placement question before relying on a national product description. ^3 2

Service and Compensation

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. ²

When comparing a combined proposal with insurance alone, ask for the security deliverables, responsible team and separate contract price. Decide who internally will act on the risk findings and how those actions will fit the engineering budget. ^8 9

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^5,3,4

Before binding, get the policy’s incident-reporting instructions and approval requirements for outside counsel and forensic vendors. A published service description does not replace the notice provisions or establish that every expense is covered. ^6 2

What to Confirm in a Quote

• Eligibility and California route: Does your revenue, business activity and location fit the proposed product? Request the producer’s California license details, exact issuing insurer and admitted or surplus-lines placement basis.
• Technology obligations: Which products, AI functions and professional services are insured, and how does the wording address liabilities in your customer agreements?
• Cyber amounts: What are the retentions, eCrime sublimits, exclusions and conditions? Which response costs fall inside or outside the limit?
• Security package: Which tools and services are included, separately priced or optional? What information must your team provide and maintain?
• Claims and renewal: Who receives notice, which responders require consent, and what underwriting information is due at renewal?

Request written answers with the proposal and policy forms. ^4 3 2 6