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Best Cyber insurance for digital marketplaces and marketplace SaaS in USA

Non-sponsored, Expert Verified and Transparently Ranked Cyber insurance for digital marketplaces and marketplace SaaS in USA

Published: December 16, 2025 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Tech E&O by BOXX by BOXX Insurance scored highest due to Unified policy tailored for next-gen tech risks like AI and blockchain, combining insurance with security tools..

Content Verification

15
Total Sources
December 16, 2025
Last Verified
100%
Evidence Coverage

Side-by-Side Comparison

Feature#1 Tech E&O by BOXX (BOXX Insurance)#2 Cyber Liability (Holmes Murphy)#3 Risk Consulting, Brokerage, and Claims Advocacy Services (Marsh)#4 Cyber Insurance Platform for Insurers (Cyberwrite)#5 Commercial Property & Casualty Insurance (AmTrust Financial)
Best ForUnified policy tailored for next-gen tech risks like AI and blockchain, combining insurance with security tools.Personalized strategies backed by cyber advisory tools for informed purchasing and resiliency.Innovative pathway that grows coverage with maturity, negotiated with select insurers for adaptive protection.Specialized underwriting tech founded by cyber experts and actuaries for scalable SMB cyber insurance.Rapid digital platform integration for small commercial cyber coverage, enabling quotes and binds in minutes.
Coverage FlexibilityBundled cyber coverage (Cyberboxx Business) is included by default but can be omitted if the client already has robust cyber insurance. (boxxinsurance.com) Policy features broader triggers and fewer exclusions. (boxxinsurance.com) Retention may be waived if incidents are reported within 24 hours (terms apply). (boxxinsurance.com)No one-size-fits-all: Holmes Murphy tailors cyber liability programs to each client’s unique risks, aligns coverage with exposures using data-driven advisory tools, and secures multiple options by negotiating tailored terms with carriers. (holmesmurphy.com)Offers limited initial cyber coverage that expands as resilience improves. Coverage grows and adapts as recommended controls are implemented, with exclusive enhancements from participating insurers applied upon control adoption. (marsh.com)Per-coverage inherent risk scores and financial‑impact estimates enable tailoring of policy terms by coverage type. Flexible AI models adapt to each insurer’s cyber policy and coverage areas, with sector-based filtering to customize terms and benchmark coverage needs for insureds. (cyberwrite.com)Flexible options: CPP lets businesses adjust coverage with optional add‑ons (EPLI, cyber) and tailor property features (e.g., Business Income, Ordinance or Law). (amtrustfinancial.com) EPLI can be added to CPP, BOP, or Workers’ Comp. (amtrustfinancial.com) Cyber is standalone or paired with other AmTrust products. Property can be monoline; GL only within CPP. Elements allows shared/separate limits (D&O/EPL/Fiduciary). (amtrustfinancial.com)
Risk Management SupportBundled with Cyberboxx Business and Cyberboxx Assist: 24/7 Hackbusters incident response; vCISO access; attack surface management; identity/dark‑web monitoring; internal compromise and vulnerability assessments; employee cyber awareness training; security policy templates/guidance; digital risk health tracking. (boxxinsurance.com) BOXX reports resolving 85%+ incidents within three hours. (boxxinsurance.com)Provides cyber risk assessments; data-driven tools (loss modeling, benchmarking, threat intelligence) to quantify and mitigate risk; proactive risk strategy and advisory; incident response resources; guidance on preventative solutions and employee education; and a cybersecurity loss control survey to gauge and strengthen security posture. (holmesmurphy.com)Provides cyber risk assessments via Cyber Self-Assessment to baseline maturity, identify control gaps, and quantify exposure; delivers insurer‑recommended control guidance and implementation support through Cyber Pathway with a dedicated Marsh team; offers claims advocacy and data‑driven claims management to reduce loss frequency/severity and total cost of risk. (marsh.com)Provides continuous monitoring with automated alerts to insurers and insureds; a personalized insured portal to review exposures and prioritize fixes; targeted recommendations with regulatory impact analysis; risk benchmarking and financial impact estimates; portfolio-level aggregation/accumulation insights distinguishing inherent vs residual risk; and APIs to integrate risk data into workflows. (cyberwrite.com)Dedicated Loss Control program with regional consultants delivering hazard identification, jobsite surveys, employee training, accident investigations, technical loss analysis, and formal safety recommendations; cyber risk management includes incident response support, including legal, customer notification, call center, and crisis PR services. (amtrustfinancial.com)
Integration CapabilitiesBundled with Cyberboxx Business (single‑policy E&O + cyber). Includes Cyberboxx Assist, deployable with no technical integration; Assist can be white‑labeled/embedded for affinity/group channels. Broker integration via mShift enables quoting, binding, issuing, and policy management on mShift’s platform. (boxxinsurance.com)Integrates with clients’ security stack: supports MFA, MDR/EDR and air‑gapped backups; provides incident response resources; leverages real‑time threat intelligence; and employs a dynamic cyber loss‑control survey (with NetDiligence/TechAssure) to assess controls. (holmesmurphy.com)Integrates Marsh Cyber Self-Assessment (single application accepted by all cyber insurers) with a participating insurer panel (Beazley, Chubb, Coalition, Resilience), enabling exclusive coverage enhancements when recommended controls are implemented; connects clients to vetted cybersecurity tools via Cybersecurity Marketplace Services and the Cyber Network Directory. (marsh.com)Provides real-time data via Cyberwrite APIs for integration into insurer systems, enabling underwriting, catastrophe modeling, and aggregated risk management. Reports also integrate into partner platforms (e.g., Howden’s Cyber+), supporting real-time broker workflows. (cyberwrite.com)AmTrust offers an API portal (staging/production) enabling real-time quoting/binding with 99.68% availability. Integrations include Tarmika (workers’ comp real-time rating/quoting), Appulate (ACORD data to AmTrust API for instant quote/bind), and the mShift Marketplace for digital quote/bind distribution of AmTrust Cyber. (utapiportal.amtrustgroup.com)
5 Companies Listed
Last Updated: December 16, 2025
boxxinsurance.com

BOXX InsuranceCompany Information

Industry: Insurance
API: No

Description

BOXX doesn’t just help INSURE businesses and individuals against cyber liability; we offer complete protection against cyber risk. Our mission is to provide the most effective combination of cyber threat prediction, prevention and cyber insurance coverage for small businesses and homes.

What They Do

Provide cyber insurance and risk protection services to businesses and individuals.

Who They Serve

Small businesses and households.

Key Value Propositions

All-in-one coverage for cyber risks
Emphasis on threat prediction and prevention
Partnerships with leading insurance firms like Lloyd's

Target Customers

Small Businesses
Individuals
Corporate Partners
Brokers

Industries Served

Insurance
Technology
Cyber Security

Contact Information

Summary

Tech E&O by BOXX offers technology errors and omissions insurance integrated with Cyberboxx Business for SaaS, AI, and digital infrastructure firms. It covers AI errors, data poisoning, algorithmic discrimination, social engineering, and cryptocurrency theft. Includes Cyberboxx Assist for risk assessments, compliance, and 24/7 expert response.

Key Features

  • Modernized exclusions and broadened triggers
  • Bundled cyber coverage (Cyberboxx Business) included unless client already has robust cyber coverage
  • Coverage for AI liability, crypto fraud, and other contemporary risks
  • All-in-one policy: E&O + Cyber
  • 24/7 incident response and expert support
  • vCISO (virtual Chief Information Security Officer) support
  • Threat monitoring and predictive cyber attack tools

Key Benefits

  • Broader terms and stronger coverage than legacy E&O policies
  • Fewer exclusions and clearer policy language
  • Coverage for modern and emerging tech risks (AI, LLMs, blockchain, API platforms, discrimination laws, digital exposures)
  • Cyberboxx Business cyber insurance included by default
  • 24/7 incident response, vCISO support, threat monitoring, and cyber attack prevention tools
  • Policy designed to evolve with the pace of technology
  • Support for brokers with fast quoting tools and direct underwriting access

Who Is It For

  • SaaS platforms
  • AI companies
  • Digital infrastructure providers
  • Next-generation tech companies
  • Startup and mature tech companies

Tech E&O coverage that grows with your tech company

For fast-moving, next-generation tech clients – from SaaS platforms to AI and digital infrastructure providers – traditional E&O coverage can feel behind the curve. Cyberboxx® Business built-in by default.

With stronger terms, broader scope, and coverage for today’s emerging risks, our coverage gives you and your technology company clients greater confidence from day one.

  • The latest terms. Stronger coverage. Fewer blind spots.
  • Peace of mind for fast-moving technology companies.
  • One simple policy. E&O + Cyber coverage included.
  • Designed around how today’s tech companies actually operate.
  • We’re more than an insurer. We’re a partner tech companies can trust.

What’s in our Tech E&O policy? Coverage that’s made for modern tech.

From AI liability to crypto fraud, Tech E&O by BOXX covers the risks your tech clients are actually facing – not just the ones legacy policies were built for. See how we’ve modernized exclusions, broadened triggers, and bundled in cyber coverage by default.

With additional Cyber coverage that’s built in – and built to perform.

Every Tech E&O policy includes Cyberboxx Business, our flagship cyber insurance and protection solution. That means your clients don’t just get coverage – they get 24/7 incident response, vCISO support, threat monitoring, and tools to predict and prevent cyber attacks before they become claims.

Let’s help you sell the most complete Tech E&O on the market.

Tech E&O by BOXX is made for modern risks, with broader terms, fewer exclusions, and Cyberboxx Business included by default. As a certified BOXX broker, you get fast quoting tools, direct access to our underwriting team, and marketing support to help you win more tech accounts.

The latest terms. Stronger coverage. Fewer blind spots.

With rising litigation around data breaches, AI errors, and software failures, Tech E&O by BOXX arrives at the right time. As tech companies face growing pressure to get it right, regulators and clients are holding them to higher standards. Tech E&O by BOXX gives you the coverage, tools, and expert support to stay protected and stay out of the headlines.

Get the details on our Tech E&O insurance coverage

Tech E&O by BOXX gives brokers serving tech clients a better all-in-one answer for modern risks – and a simpler, stronger way to support growing tech businesses. Get in touch to quote or learn more from the BOXX team.

Resources

Supporting Resources

Detailed Comparison

Coverage Flexibility

Bundled cyber coverage (Cyberboxx Business) is included by default but can be omitted if the client already has robust cyber insurance. (boxxinsurance.com) Policy features broader triggers and fewer exclusions. (boxxinsurance.com) Retention may be waived if incidents are reported within 24 hours (terms apply). (boxxinsurance.com)

Risk Management Support

Bundled with Cyberboxx Business and Cyberboxx Assist: 24/7 Hackbusters incident response; vCISO access; attack surface management; identity/dark‑web monitoring; internal compromise and vulnerability assessments; employee cyber awareness training; security policy templates/guidance; digital risk health tracking. (boxxinsurance.com) BOXX reports resolving 85%+ incidents within three hours. (boxxinsurance.com)

Integration Capabilities

Bundled with Cyberboxx Business (single‑policy E&O + cyber). Includes Cyberboxx Assist, deployable with no technical integration; Assist can be white‑labeled/embedded for affinity/group channels. Broker integration via mShift enables quoting, binding, issuing, and policy management on mShift’s platform. (boxxinsurance.com)
Last Updated: December 16, 2025
holmesmurphy.com

Holmes MurphyCompany Information

Industry: Agricultural Equipment Insurance

Description

Holmes Murphy offers insurance solutions designed for unique, unexpected challenges, focusing on protecting people and things that matter.

What They Do

Holmes Murphy provides a range of insurance solutions including property casualty, employee benefits, and risk management.

Who They Serve

They serve a variety of industries including agriculture, education, healthcare, and manufacturing.

Key Value Propositions

Independent since 1932
Tailored insurance solutions
Community engagement and volunteerism
Innovative risk management strategies

Target Customers

Small businesses
Large corporations
Non-profit organizations
Educational institutions
Government entities

Industries Served

Agricultural Equipment Insurance
Agriculture
Architects & Engineers
Construction
Education
Financial Services
Fraternal
Health & Human Services
Hospitality
Manufacturing
Mining
Petroleum Distributors & Retailers
Public Entity
Real Estate
Technology
Transportation

Contact Information

Summary

Holmes Murphy tailors cyber liability insurance strategies using data-driven tools like loss modeling, benchmarking, and threat intelligence. They secure competitive rates through carrier relationships and advocate during claims. Focuses on proactive risk management for unique business needs.

Key Features

  • Full coverage service with tailored insurance and risk management
  • Cyber risk assessment and valuation
  • Loss modeling and predictive analysis
  • Peer benchmarking against industry peers
  • Threat intelligence and real-time risk monitoring
  • Incident response planning and resources
  • Employee security awareness training and phishing simulation
  • Implementation of prevention strategies (MFA, MDR/EDR, air-gapped backups)
  • Ongoing advisory and support

Key Benefits

  • Comprehensive protection against cyber risks and data breaches
  • Tailored insurance strategies based on unique business needs
  • Access to cyber risk advisors and consultants
  • Data-driven decision making using loss modeling and benchmarking
  • Proactive risk management and incident response resources
  • Negotiation of competitive rates and tailored terms with insurance carriers
  • Support throughout the claims process

Who Is It For

  • Businesses of all sizes
  • All industries
  • Organizations with digital operations or sensitive data
  • Companies seeking to mitigate cyber risk and ensure compliance

Use Cases

  • Protection against data breaches and cyber attacks
  • Mitigating financial, legal, and reputational risks from cyber incidents
  • Ensuring business continuity after ransomware or other cyber events
  • Aligning insurance coverage with evolving cyber threats

Protect Your Business From Cyber Risk

A data breach harms your business, budget, and the trust you’ve built with your customers. Our cyber risk advisors can assess your risks and offer comprehensive protection with cyber liability insurance and risk management strategies, designed to protect what matters most.

Cyber Risk Protection

  • Full Coverage Service: Tailored insurance strategy and risk management solutions.
  • Decisions Backed By Data: Use of loss modeling, benchmarking, and threat intelligence.
  • Forward Thinking: Advisory solutions, incident response resources, and proactive risk management.

Personalized Cyber Risk Strategies

Cyber security threats continue to increase and evolve, putting organizations of every size at risk. Holmes Murphy’s Cyber Advisory Tools enable a smarter approach to cyber insurance decisions and proactive cyber risk management.

  • Risk Valuation: Data-driven threat modeling and loss tracking.
  • Peer Benchmarking: Compare insurance purchasing with industry peers.
  • Predictive Analysis: Tailored company assessments to quantify loss potential.
  • Threat Intelligence: Real-time data on threat vectors and vulnerabilities.

Cyber Security FAQs

  • Data breaches: Illegal access, theft, or exposure of sensitive information.
  • Phishing attacks: Deceptive emails or sites to steal information.
  • Ransomware: Data encryption and payment demands.
  • Malicious insider threats: Employees or contractors misusing access.
  • Evolving technology risks: Lawsuits and complexities from new technologies.

Strengthen Your Cyber Security with Holmes Murphy

The cyber security landscape continues to evolve. Holmes Murphy helps businesses prepare for and prevent cyber incidents.

Trusted Cyber Security Experts

Holmes Murphy helps manage, reduce, and insure against cyber risks, providing best practices and guidance for prevention and incident response.

Manage Your Cyber Risk With Data-Backed Decisions

Holmes Murphy collects data on your cyber security posture and exposures, uses Cyber Advisory Tools for loss modeling and benchmarking, and tailors programs to your needs.

Reduce The Likelihood of Attack With Strong Cyber Security Posture

Prevention strategies include MFA, MDR/EDR, air-gapped backups, employee training, and incident response planning.

  • Multifactor authentication (MFA) for remote and privileged access
  • Managed Detection and Response (MDR) and Endpoint Detection and Response (EDR)
  • Isolated air-gapped backups
  • Employee security awareness training and phishing simulation
  • Practiced and tested Incident Response Plan

Cyber Liability Insurance Keeps Your Business Safe

Holmes Murphy secures the best cyber insurance coverage options, negotiates competitive rates, and advocates for clients during claims.

Get in Touch

Talk with our cyber risk consultants today.

Resources

Supporting Resources

Detailed Comparison

Coverage Flexibility

No one-size-fits-all: Holmes Murphy tailors cyber liability programs to each client’s unique risks, aligns coverage with exposures using data-driven advisory tools, and secures multiple options by negotiating tailored terms with carriers. (holmesmurphy.com)

Risk Management Support

Provides cyber risk assessments; data-driven tools (loss modeling, benchmarking, threat intelligence) to quantify and mitigate risk; proactive risk strategy and advisory; incident response resources; guidance on preventative solutions and employee education; and a cybersecurity loss control survey to gauge and strengthen security posture. (holmesmurphy.com)

Integration Capabilities

Integrates with clients’ security stack: supports MFA, MDR/EDR and air‑gapped backups; provides incident response resources; leverages real‑time threat intelligence; and employs a dynamic cyber loss‑control survey (with NetDiligence/TechAssure) to assess controls. (holmesmurphy.com)
3Marsh logo
Marsh

Risk Consulting, Brokerage, and Claims Advocacy Services

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Last Updated: December 16, 2025
marsh.com

MarshCompany Information

Marsh is a global leader in insurance broking and risk management, bringing global, national, and industry-specific solutions to a wide range of clients.

Industry: Insurance
Type: public
Employees: over-10K
Founded: 1914
Location: 1166 6th Avenue
Revenue: over 1b
Stock: MMC (NYSE)
Phone: +1 212-345-5000

Keywords

insurance broking
risk management
global solutions
industry-specific expertise
insurance
brokerage
consulting
financial services

Description

Marsh is a global professional services firm that specializes in insurance brokerage and risk management. The firm helps clients navigate complex risks and embrace their opportunities.

What They Do

Marsh provides insurance brokerage and risk management services to clients across various industries worldwide.

Who They Serve

They serve a wide range of clients including businesses, governments, and organizations across multiple sectors.

Key Value Propositions

Industry-specific expertise
Global presence
Data-driven insights and analytics

Target Customers

Businesses
Governments
Non-profit organizations
Individuals seeking personal insurance solutions

Industries Served

Agribusiness
Automotive
Aviation & Space
Cargo & Logistics
Chemical
Communications
Construction
Education
Energy & Power
Entertainment
Financial Institutions
Food & Beverage
Healthcare
Hospitality
Infrastructure
Law Firms
Life Sciences
Manufacturing
Marine
Media
Mining
Public Sector
Real Estate
Recycling
Retail & Wholesale
Sports
Technology
Transportation
Utilities

Contact Information

Summary

Cyber Pathway is an integrated cybersecurity and insurance solution for companies enhancing cyber resilience, particularly those new to cyber insurance underwriting. It provides limited initial coverage with guidance on security controls, allowing coverage to expand as resilience improves. Marsh assists in implementing recommended controls for increased insurability.

Key Features

  • Risk consulting
  • Insurance brokerage
  • Claims advocacy
  • Data-driven risk analysis
  • Technology-enabled solutions
  • Analytics for risk management

Key Benefits

  • Better quantification and management of risk
  • Access to global expertise and industry-specific knowledge
  • Support in navigating complex risk environments
  • Leverage of data, technology, and analytics for informed decision-making

Who Is It For

  • Organizations and businesses across a wide range of industries
  • Clients seeking to manage, transfer, or mitigate risk
  • Companies requiring support with insurance placement and claims management

Services

Our consulting, brokerage, and claims advocacy services leverage data, technology, and analytics to help you better quantify and manage risk. Explore our global expertise below. Please note that service availability varies by location. Contact a Marsh advisor for support in your region.

Resources

Supporting Resources

Detailed Comparison

Coverage Flexibility

Offers limited initial cyber coverage that expands as resilience improves. Coverage grows and adapts as recommended controls are implemented, with exclusive enhancements from participating insurers applied upon control adoption. (marsh.com)

Risk Management Support

Provides cyber risk assessments via Cyber Self-Assessment to baseline maturity, identify control gaps, and quantify exposure; delivers insurer‑recommended control guidance and implementation support through Cyber Pathway with a dedicated Marsh team; offers claims advocacy and data‑driven claims management to reduce loss frequency/severity and total cost of risk. (marsh.com)

Integration Capabilities

Integrates Marsh Cyber Self-Assessment (single application accepted by all cyber insurers) with a participating insurer panel (Beazley, Chubb, Coalition, Resilience), enabling exclusive coverage enhancements when recommended controls are implemented; connects clients to vetted cybersecurity tools via Cybersecurity Marketplace Services and the Cyber Network Directory. (marsh.com)
4Cyberwrite logo
Cyberwrite
Last Updated: December 16, 2025
cyberwrite.com

CyberwriteCompany Information

Industry: Insurance

Description

Cyberwrite’s patented cyber insurance models deliver next-generation catastrophe modeling and deep, data-driven insights for underwriting and cyber insurance brokers. Risk and Insurance professionals gain the clarity needed to assess exposure, control accumulation, reduce risk, and confidently support sustainable growth.

What They Do

Provide innovative cyber insurance technologies and catastrophe modeling.

Who They Serve

Insurers, reinsurers, agents, and brokers.

Key Value Propositions

Next-gen catastrophe modeling
Deep data-driven insights for underwriting
Enhanced cyber risk management

Target Customers

Insurers
Reinsurers
Insurance Brokers
Managed Security Service Providers (MSSPs)

Industries Served

Insurance
Cybersecurity

Contact Information

Social Media

Summary

Cyberwrite provides a cyber insurance underwriting solution for SMB and SME markets using analytics and actuarial data. It helps insurers assess and price risks accurately for digital businesses. Backed by investors, with offices in San Francisco and Tel Aviv.

Key Features

  • AI-driven risk profiles using 4SEEN® and Vivaldi™ technology
  • One-page cyber insurance risk reports generated in under a minute
  • Inherent risk scores for each coverage type and peer comparison
  • Key risk indicators including vulnerabilities and exposed credentials
  • Financial impact assessment of potential cyberattacks
  • Flexible report delivery in multiple languages (English, Spanish, Italian, German, French, Japanese, Portuguese)
  • API access for real-time data integration and aggregated risk management
  • Underwriting analysis with sector-based risk filtering
  • Aggregated risk management across third-party providers and geographies
  • Regulatory gap analysis
  • Residual risk analysis
  • Targeted recommendations for risk reduction, prioritized by severity
  • Automated alerts for new threats and vulnerabilities
  • Personalized insured portal for exposure review and security prioritization

Key Benefits

  • Faster underwriting decisions
  • Reduced risk and lower loss ratios
  • Improved portfolio management
  • Boosted sales efficiency
  • Actionable insights for insureds to reduce cyber risk
  • Continuous monitoring and alerts throughout the policy lifecycle

Who Is It For

  • Insurers
  • Cyber underwriters
  • Insurance portfolio managers
  • Insurance sales teams
  • Insured businesses (via insurer-provided portals)

Underwrite faster, reduce risk and achieve record-low loss ratios

The cyber insurance market offers great potential. But with constantly evolving attack methods and ever-changing business risks, it can be challenging to keep up. Cyberwrite's AI-driven risk profiles, powered by 4SEEN® AI algorithm and Vivaldi™ technology, offer clear and rapid analysis of cyber risk on demand and in real time.

  • Increase underwriting profitability
  • Improve portfolio management
  • Boost sales efficiency
  • Enable insureds to reduce cyber risks and mitigate losses

QUICKLY VIEW KEY CYBER RISK INSIGHTS ON ONE PAGE

Enter a company’s name, URL, industry, and country into the Cyberwrite platform and in less than a minute receive key cyber risk insights in an easy-to-understand one-page cyber insurance risk report.

  • Inherent risk scores: Assess risk compared to peers for each coverage type and probability of incident within 12 months.
  • Key risk indicators: Identify risk domains needing attention, including vulnerabilities and exposed credentials.
  • Financial impact assessment: Analyze potential financial impact of a cyberattack using data from thousands of sources.
  • Flexible delivery: Reports in multiple languages and real-time API delivery.

Access in-depth AI-driven analysis to reduce risks

Get next-level insights to improve decision-making, customize policy terms, and guide customers in reducing their cyber risks.

  • Underwriting analysis: Identify which companies to insure, avoid, or review further.
  • Aggregated risk management: Data on third-party providers, vulnerability aggregation, and geographical analysis.
  • In-depth regulatory gap analysis.
  • Residual risk analysis.
  • Recommendations for improvement, tagged by severity.

Empower your customers to stay ahead of cyber risks

Continuous monitoring and alerts throughout the policy’s lifecycle help manage and mitigate new cyber risks as they emerge.

  • Automated alerts for new threats and vulnerabilities.
  • Personalized insured portal for exposure review and security prioritization.

Resources

Supporting Resources

Detailed Comparison

Coverage Flexibility

Per-coverage inherent risk scores and financial‑impact estimates enable tailoring of policy terms by coverage type. Flexible AI models adapt to each insurer’s cyber policy and coverage areas, with sector-based filtering to customize terms and benchmark coverage needs for insureds. (cyberwrite.com)

Risk Management Support

Provides continuous monitoring with automated alerts to insurers and insureds; a personalized insured portal to review exposures and prioritize fixes; targeted recommendations with regulatory impact analysis; risk benchmarking and financial impact estimates; portfolio-level aggregation/accumulation insights distinguishing inherent vs residual risk; and APIs to integrate risk data into workflows. (cyberwrite.com)

Integration Capabilities

Provides real-time data via Cyberwrite APIs for integration into insurer systems, enabling underwriting, catastrophe modeling, and aggregated risk management. Reports also integrate into partner platforms (e.g., Howden’s Cyber+), supporting real-time broker workflows. (cyberwrite.com)
5AmTrust Financial logo
AmTrust Financial

Commercial Property & Casualty Insurance

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Last Updated: December 16, 2025
amtrustfinancial.com

AmTrust FinancialCompany Information

AmTrust Financial is a global specialist insurer providing insurance protection, warranty programs, and risk management expertise to small businesses, professional and financial services firms, retailers, and manufacturers worldwide.

Industry: Insurance
Type: private
Employees: 5K-10K
Founded: 1998
Location: AmTrust Financial Services, Inc., 4 World Trade Center, 150 Greenwich Street, New York, NY 10007, United States
Revenue: over 1b
Stock: AFSI (NASDAQ)
Funding: $875.3M
Phone: +1 (212) 220-3900
API: Yes

Keywords

insurance protection
warranty programs
risk management
commercial property
casualty insurance
workers' compensation
specialty risk
property insurance
commercial insurance
warranty services

Description

AmTrust provides property & casualty insurance, specialty coverage and risk management, focusing on the commercial P&C market and offering top Workers' Compensation services in the U.S.

What They Do

AmTrust is a global specialty property casualty insurer, providing insurance protection, warranty programs, and risk management expertise.

Who They Serve

AmTrust serves a wide range of clients, including small business owners and various industries such as healthcare, auto repair, contractors, and more.

Key Value Propositions

Property & Casualty Insurance
Specialty Coverage
Risk Management Expertise
Warranty Programs
Wide Range of Clients and Industries

Target Customers

Insurance Agents
Small Business Owners
Policyholders

Industries Served

Auto Repair
Contractors
Financial Institutions
Grocery Stores
Healthcare
Landscapers
Manufacturing
Nonprofit
Offices & Professional Services
Restaurants
Retail
Schools
Transportation
Wholesale

Contact Information

Social Media

Summary

AmTrust Cyber Insurance provides streamlined digital quoting and binding for small businesses via the mShift Marketplace. It targets vulnerable small businesses against cyberattacks and data breaches. Offered through partnership with Millennial Shift Technologies for quick access.

Key Features

  • Workers' Compensation
  • Businessowners Policy (BOP)
  • Commercial Package
  • Cyber Insurance
  • Employment Practices Liability Insurance (EPLI)
  • General Liability
  • Commercial Property
  • Executive Liability

Key Benefits

  • Comprehensive insurance protection for a wide range of business types
  • Risk management expertise
  • Warranty programs
  • Exceptional customer service
  • Multiple payment options
  • 24/7 claims handling
  • Support for agents and insureds at every step

Who Is It For

  • Small businesses
  • Professional services firms
  • Financial services firms
  • Retailers
  • Manufacturers
  • Middle-market and large accounts

Commercial Property & Casualty Insurance for Businesses

AmTrust provides insurance protection, warranty programs and risk management expertise to small businesses, professional and financial services firms, retailers, and manufacturers worldwide. AmTrust is a major player in the commercial P&C market and the third largest workers' compensation provider in the U.S. Our small business insurance product suite continues to expand with Cyber, BOP, Employment Practices Liability Insurance (EPLI), Package and other core coverages and capabilities, including more middle-market and large accounts.

Payments

With options like Easy Pay, PAYO® and our iOS AOMobile App, we make it easy for you to make insurance premium payments.

Claims

AmTrust prides itself on handling claims expertly and expeditiously. Our professional team works diligently to gather information and pay claims promptly.

Premium Audit

Insureds can easily confirm their workers' comp premiums are accurate by completing a premium audit through our website on our audit portal.

We Make it Easy to Do Business With Us

  • Business Owners: Insurance products designed to meet the needs of any business.
  • Policyholders: Exceptional customer services, multiple payment options and 24/7 claims handling.
  • Agents: Competitive rates, expanding offerings and a first class digital platform with AmTrust Online.

We Are Inspired By Small Business

AmTrust works with agents in your area to provide workers’ comp, property, cyber, management liability and the other insurance coverages that small businesses need. Listen to testimonials from businesses like yours to discover the advantages of working with AmTrust.

Resources

Supporting Resources

Detailed Comparison

Coverage Flexibility

Flexible options: CPP lets businesses adjust coverage with optional add‑ons (EPLI, cyber) and tailor property features (e.g., Business Income, Ordinance or Law). (amtrustfinancial.com) EPLI can be added to CPP, BOP, or Workers’ Comp. (amtrustfinancial.com) Cyber is standalone or paired with other AmTrust products. Property can be monoline; GL only within CPP. Elements allows shared/separate limits (D&O/EPL/Fiduciary). (amtrustfinancial.com)

Risk Management Support

Dedicated Loss Control program with regional consultants delivering hazard identification, jobsite surveys, employee training, accident investigations, technical loss analysis, and formal safety recommendations; cyber risk management includes incident response support, including legal, customer notification, call center, and crisis PR services. (amtrustfinancial.com)

Integration Capabilities

AmTrust offers an API portal (staging/production) enabling real-time quoting/binding with 99.68% availability. Integrations include Tarmika (workers’ comp real-time rating/quoting), Appulate (ACORD data to AmTrust API for instant quote/bind), and the mShift Marketplace for digital quote/bind distribution of AmTrust Cyber. (utapiportal.amtrustgroup.com)

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Our Ranking Methodology

How we rank these offerings

We ranked these Cyber insurance for digital marketplaces and marketplace SaaS in the USA based on three key factors: Coverage Flexibility (40% weight), Integration Capabilities (30% weight), and Risk Management Support (30% weight). Tech E&O by BOXX scored highest because it offers flexible coverage options tailored to technology companies, has seamless integration capabilities without technical overhead, and provides comprehensive 24/7 risk management support with proven quick incident resolution.

Ranking Criteria Weights:

40%
Coverage Flexibility
Adaptable coverage is essential for rapidly evolving digital marketplaces and SaaS environments, ensuring protection aligns with specific operational risks.
30%
Integration Capabilities
Seamless integration into existing systems is critical for efficient policy management and real-time risk assessment in technology-driven platforms.
30%
Risk Management Support
Strong risk management support reduces potential losses and enhances resilience against cyber threats, crucial for maintaining service continuity in digital marketplaces.
Rankings last updated: 12/16/2025

Frequently Asked Questions

What are typical costs and pricing models for cyber insurance in digital marketplaces?
Cyber insurance costs can vary significantly based on risk factors such as company size, industry type, and current cybersecurity measures. For instance, Cyber Pathway by Marsh offers limited initial coverage that expands as a company's cyber resilience improves, allowing businesses to start with a lower cost and increase their premiums as they upgrade their security. Tech E&O by BOXX includes a comprehensive coverage package for SaaS and digital firms, which may raise the overall premium but provides a broader safety net. Holmes Murphy uses data-driven tools to tailor competitive rates by leveraging carrier relationships, offering value through strategic premium pricing based on specific business risks.
What are the key selection criteria when choosing cyber insurance for marketplace SaaS in the USA?
Key selection criteria include the scope of coverage, expertise in digital marketplaces, and integrated risk management support. Marsh's Cyber Pathway focuses on enhancing resilience with initial guidance on security controls, useful for companies new to cyber insurance. BOXX's Tech E&O integrates errors and omissions insurance with cyber risk management tools like Cyberboxx Assist, which can aid in compliance and provide a 24/7 expert response. Additionally, Holmes Murphy uses threat intelligence and benchmarking to tailor coverage, focusing on proactive risk management crucial for digital marketplace operations.
What industry standards and compliance requirements should be considered by digital marketplaces when acquiring cyber insurance?
Compliance with industry standards such as GDPR for data protection or CCPA for consumer privacy is critical when acquiring cyber insurance. Tech E&O by BOXX provides risk assessments and compliance support through Cyberboxx Assist, helping businesses navigate these regulations effectively. Marsh's Cyber Pathway recommends implementing security controls as per industry best practices to align with compliance requirements and improve insurability. Additionally, AmTrust Cyber, through its digital marketplace mShift, allows for streamlined compliance with quick quoting and binding intended for small businesses prone to cyber threats.
What are some implementation challenges faced when integrating cyber insurance for digital marketplaces and how can they be addressed?
Challenges include aligning cyber insurance policies with rapidly evolving digital threats and ensuring proper integration with existing risk management frameworks. Marsh's Cyber Pathway guides companies through implementing recommended security measures, thereby allowing them to gradually expand their coverage as their resilience improves. Holmes Murphy focuses on proactive strategies using threat intelligence and benchmarking which can address integration challenges by ensuring policies reflect current risks and management needs. Tech E&O by BOXX further offers 24/7 expert response to assist with unexpected implementation issues.
How can businesses assess the ROI and value delivery of cyber insurance for digital marketplaces?
Assessing ROI involves evaluating the reduced risk of financial loss from cyber incidents against the premium costs. Cyberwrite platforms help insurers accurately price risks for digital businesses using analytics, providing marketplace SaaS companies with well-assessed value propositions. Marsh's model of expanding coverage as resilience increases ensures that initial investments directly correlate with enhanced security positioning and reduced risk exposure. Holmes Murphy emphasizes a data-driven approach which assists in meeting specific business needs, ensuring that businesses receive value through tailored risk management and competitive premium rates.

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