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
A Lloyd's of London Cyber Insurance Partner
Most managed service providers just hand you security tools. We go further. i-NETT is a Lloyd's of London cyber insurance partner, and because the managed security we operate is rated so highly for reducing risk, the firms we manage can qualify for stronger cyber coverage and more competitive pricing than they would find on their own.
Insurance partner
LLOYD’S OF LONDON
The global center of specialty insurance since 1688. Dozens of cyber-specialty insurers compete 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
As a Lloyd’s of London cyber insurance partner, i-NETT helps the firms we manage access stronger coverage and more competitive pricing, because the security posture we operate is built to reduce risk the way the market rewards.
Insurance Policy Features
Stronger, vetted terms
Because we operate a hardened, continuously monitored environment, cyber coverage can be structured around a security posture the market trusts, rather than the thin terms standard policies offer.
More competitive pricing
A lower-risk, actively managed environment is what the market prices on, so the firms we manage can often secure more competitive premiums than standalone policies.
Comprehensive coverage
Coverage can be structured for ransomware, data breaches, business interruption, and regulatory exposure, with limits sized to the realities of your business.
Incident response support
i-NETT is on the incident from the first alert. Response and documentation happen in parallel, so the path to recovery starts immediately.
Claims-ready by design
If a claim is ever needed, the same team operating your environment already has the monitoring and documentation in place.
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 the Lloyd’s of London Partnership Works for Your Firm
- 1
Comprehensive assessment
Your environment is scoped end to end: data inventory, regulatory footprint, current security posture, prior incident history.
- 2
Coverage analysis
Your existing cyber coverage is reviewed so any coverage structured through our Lloyd’s of London partnership complements rather than overlaps it.
- 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 that earn stronger terms are deployed and operated 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 $4.88 million (IBM Cost of a Data Breach Report, 2024). Strong cyber coverage, secured through our Lloyd’s of London partnership, turns that exposure from an existential event into a managed line item.
Strategic advantage
Insurer-vetted, actively managed security becomes a procurement and partnership advantage when your clients ask about your security posture.
Competitive differentiation
Most competitors run on consumer-grade tooling and standalone policies. Insurer-grade, actively 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?
A standard cyber policy is sold to you by an insurer with no involvement in your security. i-NETT is different: we are a Lloyd's of London cyber insurance partner, and the managed security we operate has been vetted by the market. Because the firms we manage run a hardened, continuously monitored environment, they can qualify for stronger terms and better pricing than they would secure on their own.
Does this replace our existing cyber insurance?
No. This complements your coverage. We recommend keeping your standalone cyber policy, and we help structure cyber coverage through our Lloyd's of London partnership so the layers work together rather than overlap.
What does the Lloyd's of London market bring?
Lloyd's of London is the global center of specialty insurance, with dozens of cyber-specialty insurers competing in the market. That depth of capacity and expertise can translate into broader coverage and more flexible terms than the generalist cyber policies most firms encounter. Lloyd's has insured specialty risk for more than 300 years.
Why do i-NETT-managed firms qualify for better coverage and pricing?
Because our managed security is rated highly for reducing risk. We harden the network, monitor it continuously, and remediate quickly, which lowers the likelihood and severity of an incident. A lower-risk profile is exactly what the insurance market rewards with stronger terms and more competitive pricing.
Who reviews coverage and how often?
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. We work with firms across the United States and Canada through the Technology Assurance Group network, with coverage structured to the regulatory environment of your jurisdiction.
Next step
Ready to talk through the Lloyd’s of London partnership for your firm?
Book a 30 minute consultation. We will walk you through how the partnership works, the managed security posture behind it, and what stronger, better-priced cyber coverage could 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.