---
title: "How Reliable Is Resilience?"
description: "Resilience reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/resilience/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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[Human-readable page](https://spot.insure/insurance-providers/resilience/reliability)

# How Reliable Is Resilience?

Resilience reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **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.

This 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.

- **Broker Spot Score:** **5.0/10**
- **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.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Resilience](/insurance-providers/resilience)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Arceo Labs Inc. d/b/a Resilience | Resilience operating and platform entity; exact producer and underwriting authority are not resolved. | [Disclaimer](https://cyberresilience.com/disclaimer/), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance) |
| Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions | Disclosed U.S. insurance distributor; NPN 19169260 is company-reported. | [Disclaimer](https://cyberresilience.com/disclaimer/) |
| Homeland Insurance Company of New York | Possible disclosed underwriting insurer; product and state mapping is not established. | [Disclaimer](https://cyberresilience.com/disclaimer/) |
| Homeland Insurance Company of Delaware | Possible disclosed underwriting insurer; product and state mapping is not established. | [Disclaimer](https://cyberresilience.com/disclaimer/) |

## Research summary

Resilience describes an agency/distributor and cyber-risk platform whose disclosure names Ocrea as distributor and Homeland insurers as possible underwriters; product/state issuer, current authority and financial evidence remain unresolved. [Disclaimer](https://cyberresilience.com/disclaimer/), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance), [Brokers](https://cyberresilience.com/brokers)

### 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. [Disclaimer](https://cyberresilience.com/disclaimer/)

### Licensing

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. [Disclaimer](https://cyberresilience.com/disclaimer/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### 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. [Disclaimer](https://cyberresilience.com/disclaimer/), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance)

### 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. [Disclaimer](https://cyberresilience.com/disclaimer/), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance), [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance)

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. [Disclaimer](https://cyberresilience.com/disclaimer/)

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. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance), [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance)

### 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. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response)

### Regulatory Record

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. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Disclaimer](https://cyberresilience.com/disclaimer/)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Ocrea Risk Services LLC d/b/a Resilience Cyber Insurance Solutions | US | National Producer Number | 19169260 | National Producer Number displayed in company disclosure | Company-reported; not proof of every state license, appointment or current authority | Company-reported | 2026-09-21 | [Disclaimer](https://cyberresilience.com/disclaimer/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | 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. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Disclaimer](https://cyberresilience.com/disclaimer/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Disclaimer](https://cyberresilience.com/disclaimer/), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance), [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Disclaimer](https://cyberresilience.com/disclaimer/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 1.98 | 15% | 4.95 | [Disclaimer](https://cyberresilience.com/disclaimer/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance), [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance), [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response) |

## 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.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Disclaimer](https://cyberresilience.com/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](https://cyberresilience.com/products/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](https://cyberresilience.com/products/technology-errors-and-omissions-insurance) — 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](https://cyberresilience.com/products/claims-incident-response) — Resilience; Support from incident through resolution, claims panel and incident-response description; accessed 2026-09-21.
- [Brokers](https://cyberresilience.com/brokers) — Resilience; Broker benefits, use cases and insurance/risk-solution description; accessed 2026-09-21.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for the disclosed Resilience distributor; current authority not independently established; accessed 2026-09-21.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/resilience/reliability.md)
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