Technicality-based denials
Insurers deny claims by pointing to procedural or documentation gaps that have nothing to do with the actual incident.
Lloyd's of London
Cybersecurity Protection Underwritten by Lloyd's of London
In today's digital landscape, cybersecurity threats are no longer a matter of if, but when. While most managed service providers offer standard security tools, we deliver something fundamentally different: protection financially underwritten through our exclusive partnership with Lloyd's of London, the world's leading insurance market. This approach eliminates common escape clauses that render typical policies virtually worthless while typically reducing premium costs for our clients.
Insurance partner
LLOYD’S OF LONDON
The global center of specialty insurance since 1688. Over 77 cyber-specialty insurers operate in the Lloyd’s market today.
Why this matters
Protection Beyond Traditional Coverage
Traditional cybersecurity insurance was built for an era when policies were underwritten without visibility into the actual security posture of the insured. The result: a market full of escape clauses, denied claims, and coverage that fails at the moment it is most needed.
What goes wrong
The Problem With Traditional Cybersecurity Insurance
Six recurring failure modes that leave policyholders exposed at the moment they thought they were covered.
Security implementation gaps
Coverage is voided when the insured does not maintain controls that the insurer never helped configure or monitor.
Delayed response coverage
The early hours of an incident, when response matters most, are often excluded from coverage.
Limited protection scope
Ransomware, business interruption, regulatory fines, and reputational harm are commonly excluded or sub-limited.
Difficult claims process
Long documentation cycles, third-party adjusters, and arbitration loops delay payouts when cash flow matters most.
No proactive coverage
Standard policies pay after the damage. They do not pay for the work that prevents the damage in the first place.
A different model
The i-NETT Lloyd’s of London Advantage
Our exclusive partnership with Lloyd’s of London, the global center for cyber insurance with over 77 specialized cyber risk insurers, provides our clients with protection that goes beyond traditional coverage.
Insurance Policy Features
Elimination of common escape clauses
Policy terms are negotiated with the security posture we operate, removing the escape clauses that derail standard cyber policies.
Premium cost reduction
Bundling managed services with insurance underwriting allows the market to price actual risk, typically reducing premium cost versus standalone policies.
Comprehensive coverage
Ransomware, data breaches, business interruption, and regulatory fines are in scope, with limits structured to the realities of mid-market business.
Incident response support
i-NETT is on the incident from the first alert. Response, documentation, and claim filing happen in parallel, not in sequence.
Streamlined claims process
Claims work runs through the same team operating your environment. Documentation is already in place when an incident occurs.
Regular coverage review
Coverage is reviewed quarterly inside the i-NETT managed services engagement, with interim reviews on material change.
Why Lloyd’s of London
The world’s leading insurance market for specialty risk.
Global leadership
Lloyd’s is the global center for specialty insurance, with capacity and expertise across cyber, professional liability, and emerging risk.
Unmatched stability
Underwriting specialty risk since 1688. Reserves and reinsurance structure built to absorb large, correlated loss events.
Innovative approach
Coverage products evolve with the threat landscape, not behind it. Cyber is one of the fastest-evolving lines inside the Lloyd’s market.
Proven track record
The Lloyd’s market has handled some of the largest, most complex specialty claims in modern history, with structured paths to resolution.
How it works
How Our Lloyd’s Insurance Policy Works
- 1
Comprehensive assessment
Your environment is scoped end to end: data inventory, regulatory footprint, current security posture, prior incident history.
- 2
Policy analysis
Your existing cyber coverage is reviewed against the Lloyd’s structure so the layers complement rather than overlap.
- 3
Custom coverage design
Coverage limits, triggers, and exclusions are tailored to your industry, your geography, and your operating model.
- 4
Proactive implementation
The managed security controls required by the policy are deployed by our team, not handed back to you as a checklist.
- 5
Ongoing management
Continuous monitoring, control validation, and quarterly compliance review keep the policy in force without surprises.
- 6
Incident response
If something happens, the same team operating your environment leads the response, the documentation, and the claim.
The business impact
What this changes at the leadership level.
Financial protection
The average cost of a data breach now exceeds $4 million. The Lloyd’s policy turns that exposure from an existential event into a managed line item.
Strategic advantage
Underwritten cybersecurity becomes a procurement and partnership advantage when your clients ask about your security posture.
Competitive differentiation
Most mid-market competitors run on consumer-grade tooling and standalone policies. Underwritten managed security is a clear differentiator.
Regulatory compliance
HIPAA, GDPR, SOC, and CCPA expectations align cleanly with the managed controls required by the policy, simplifying audit posture.
Business continuity
Incident response, business interruption coverage, and managed recovery keep operations moving even during an active event.
Peace of mind for the board
Leadership can answer the board-level cyber question with a structured, documented answer that has been reviewed by counsel and the insurer.
FAQ
Frequently asked questions
How is this different from a standard cyber insurance policy?
Standard cyber insurance policies are sold to the policyholder by an insurer with no involvement in the security posture. When something goes wrong, the policyholder is left arguing for coverage against an insurer looking for reasons to deny. The Lloyd's of London policy that backs i-NETT is structured around our managed security posture from day one. The same team operating your environment is connected to the insurance market, eliminating most of the escape clauses common in standard policies.
Does this replace our existing cyber insurance?
No. This is a complementary protection layer that sits inside the i-NETT managed services engagement. We recommend retaining your standalone cyber policy as a second layer of coverage. The Lloyd's of London policy is most valuable when paired with strong baseline coverage and a managed security operating model.
What does Lloyd's of London bring that other insurers do not?
Lloyd's of London is the global center of specialty insurance, with over 77 cyber-specialty insurers operating in the market. That depth of market expertise and capacity translates into broader coverage, more flexible terms, and better claims handling than the generalist cyber policies most firms encounter. Lloyd's has underwritten specialty risks for more than 300 years.
How does a claim work?
Claims start the moment we detect an incident, not when you file paperwork. Because i-NETT is operating your environment under the policy, our incident response team is already engaged and documenting the event from the first alert. That dramatically shortens the path from incident to claim resolution and removes the burden of proving compliance from your team.
Who reviews coverage and frequency of review?
Coverage is reviewed as part of the quarterly compliance review built into every i-NETT managed services engagement. Material changes to your environment, your regulatory profile, or the threat landscape trigger an interim review.
Is this available to firms outside Southern California?
Yes. The Lloyd's of London policy backs i-NETT managed services engagements across the United States and Canada through the Technology Assurance Group network. Coverage terms are configured to the regulatory environment of your jurisdiction.
Next step
Ready to talk through the Lloyd’s policy for your firm?
Book a 30 minute consultation. We will walk you through the policy structure, the managed services posture that backs it, and what a Fortify AI plus Lloyd’s engagement would look like for your firm.
Start here
Ready to evaluate Fortify AI?
Book a 30 minute consultation with our team. We will scope your environment, identify the two or three highest-leverage AI deployments for your firm, and outline what a Fortify AI rollout looks like.