Is Resilience Legit? Licensing, Carriers and Reliability

Resilience's U.S. disclaimer names Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. It separately names Homeland Insurance Company of New York and Homeland Insurance Company of Delaware as possible underwriting insurers; the reviewed material does not assign each entity's product or state function.¹

The U.S. disclaimer displays NPN 19169260 for Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. This is company-disclosed producer evidence, not independent proof of every state license, appointment or current authority.^1,6

The reviewed Resilience pages identify possible Homeland underwriting insurers but provide no current AM Best action, statutory financial statement, policyholder-surplus figure or exact product/state issuer mapping. No financial-strength conclusion is extended from the Resilience platform or services.^1,2

Resilience describes primary and excess cyber and technology E&O products and identifies Homeland Insurance Company of New York or Delaware as possible underwriters. The exact carrier, capacity, admitted or surplus-lines status and reinsurance terms remain quote-specific; the evidence does not establish an affiliated risk-bearing entity or delegated underwriting authority for Resilience.^1,2,3

Resilience’s disclaimer names the US risk bearer. It states that in the USA insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions, and that “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,” with a principal place of business at 605 Highway 169 N, Plymouth, Minnesota. The same disclaimer names Intact Insurance Company for Canada and separate Resilience entities for the UK and the EU, so the US naming covers US products only.¹

The capacity behind those products is described in company-reported terms. The cyber page states that the offering is “backed by market-leading global Property & Casualty carriers,” covering all major industries with limits up to US$20 million available on a primary or excess basis, and the technology E&O page claims “Superior Capacity” through “approved underwriting companies, top-rated insurance by AM Best in the US.” Neither page names an insurer beyond the Homeland companies, quantifies a share of capacity, or states admitted or surplus-lines status for a given placement. The Homeland companies’ own financial-strength rating is not evidence about Resilience and is not relied on here.^2,3

Resilience advertises incident-to-resolution support, incident response and a claims panel. These are company-described capabilities and do not establish independent claims outcomes, response-time evidence or insurer claims delegation.⁴

Current California authority for the disclosed Resilience distributor is not independently established, and no completed five-year conduct result is available for the distributor or either possible Homeland issuer. This is not a clean-record or universal-authority finding.^6,1