How Reliable Is Resilience?
Resilience reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
5.0/ 10This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 15% of this rubric’s factor weighting. Excluded: Identity and Authority, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 100.0%normalized | 2.0 / 4 | [1][6][2][3][4] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Broker. Scope: Resilience cyber-risk platform and U.S. insurance distribution as presented by Arceo Labs Inc. d/b/a Resilience and Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions. Scope covers cyber and technology E&O products and the disclosed Homeland Insurance Company of New York or Delaware underwriting routes; no affiliated risk-bearing entity or delegated underwriting authority is assumed.
Legal Identity
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]
Licensing
Financial Strength
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]
Risk Bearing
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]
Claims Service
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]
Regulatory Record
Evidence gaps
- NPN 19169260 remains company-reported without state-by-state producer records or appointments.
- Current California authority is not independently established.
- Product and state mapping between Homeland Insurance Company of New York and Delaware remains unresolved.
- No current exact-entity AM Best ratings or statutory financial statements were collected for possible Homeland issuers.
- No completed five-year conduct result is available.
- Claims capability is company-described and independent service outcomes were not reviewed.
- Resilience names the Homeland companies as the US underwriters but publishes no per-product or per-state carrier map, no capacity share, no admitted or surplus-lines status and no reinsurance term; the “market-leading” and “approved underwriting companies” language names no further insurer.
- No carrier-published or regulator appointment record confirming the Ocrea Risk Services appointment with the Homeland companies was located in this research; the underwriting relationship is company-disclosed.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Source inaccessible[6] | Current authority for the disclosed Resilience distributor is not independently established from the California regulator route; this is not a no-license or clean-record finding. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions United States | National Producer Number: 19169260[1][6] | National Producer Number displayed in company disclosure; Company-reported; not proof of every state license, appointment or current authority |
Sources
- Disclaimer. Resilience; U.S. disclosure naming Arceo Labs, Ocrea Risk Services, NPN 19169260 and Homeland Insurance Company of New York or Delaware as possible underwriting insurers; USA paragraph naming Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions as distributor and Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC, as underwriters; Canada, UK and European Union paragraphs. Accessed 2026-09-22.
- Cyber Insurance. Resilience; Cyber insurance product, primary and excess offerings and U.S. market appetite; “The Resilience Advantage” section: “Top-Rated Insurance with Broad Market Appetite — Backed by market-leading global Property & Casualty carriers, we cover all major industries with limits up to $20M available on a primary or excess basis”. Accessed 2026-09-22.
- Technology E&O. Resilience; Technology E&O product, primary and excess offering and U.S. revenue appetite; Technology errors and omissions product page: “Superior Capacity — Through approved underwriting companies, top-rated insurance by AM Best in the US” and the coverage-certainty paragraph. Accessed 2026-09-22.
- Claims & Incident Response. Resilience; Support from incident through resolution, claims panel and incident-response description. Accessed 2026-09-21.
- Brokers. Resilience; Broker benefits, use cases and insurance/risk-solution description. Accessed 2026-09-21.
- California License Number Search. California Department of Insurance; California producer-license route for the disclosed Resilience distributor; current authority not independently established. Accessed 2026-09-21.
