Risk Manager · Cyber Insurance

Covered. Actually Covered.

Understand and optimize cyber coverage for energy operations — policy analysis, exclusion flags, and premium benchmarks.

The Problem

Cyber premiums rise, applications get longer, and one inaccurate attestation can void a claim. Most operators discover their OT exclusion the day they need the policy.

What It Does

Intelligence, explained

Policy Decoder

Upload your policy — AI extracts limits, sublimits, retentions, and every exclusion that matters for OT environments.

Gap Analysis

Your coverage tested against realistic scenarios: ransomware downtime, spoofed-invoice fraud, SCADA restoration costs.

Renewal Readiness

The controls insurers ask about, mapped to what you actually have — so applications are accurate and premiums defensible.

How It Works

Three steps to a decision

01
Decode the policy

Limits, sublimits, retentions, and every OT-relevant exclusion extracted and flagged.

02
Test it against reality

Coverage stress-tested against realistic scenarios: ransomware downtime, spoofed-invoice fraud, SCADA restoration.

03
Arrive ready at renewal

Control evidence packets, benchmark quotes, and a broker-ready renewal memo.

Core Features

What the product actually does

Insurance Questionnaire Mapping Control Evidence Packet MFA Evidence Backup Evidence Endpoint Evidence Training Evidence Incident Response Evidence Risk Reduction Plan Renewal Memo Broker-Ready Export
Sample Output

Not dashboards — decisions

Every output names its severity, its reasoning, its recommended action, its sources, and its confidence. This is what the system produces:

Sample Coverage Flag
CriticalSCADA ransomware event largely uncovered today

The OT/ICS exclusion voids ~$410K of modeled restoration cost, and the $250K BI sublimit covers a third of modeled interruption loss.

Do next: Quote two carriers with OT riders before the 94-day renewal.

SOURCE: Policy decoder · downtime model v3 89% confidence
Who It's For

Built for the people doing the work

Owners CFOs Insurance Brokers Risk Managers
Beyond Map-First Tools

Data platforms show. We decide.

This is cybersecurity connected to money. TOIL Cyber Insurance reduces insurance friction — cleaner attestations, stronger evidence, better renewal terms.

Request Demo → View Pricing →
Access

Sign in to open the live workspace

Platform members get the operational Cyber Insurance workspace — the same account used for Lease Management and DailyDash. Not a member yet? Request a demo and we'll set you up.