Help Your Clients Get Covered and Stay Covered
Cyber insurance is getting harder to place with more questions, more exclusions, more denials because insurers don't see predictable outcomes.
"Before working with Third Wave, cyber felt like the hardest part of the deal to get across the line. Now we bring them in early, and it changes the conversation completely. Underwriters get clearer answers, clients actually understand what’s required, and we’re placing business that probably wouldn’t have gone through before."
Insurers aren't evaluating effort. They're evaluating loss predictability and recovery.
Applications Denied
Clients unsure how to answer underwriting questions, leading to declines or restrictions.Coverage Restricted
Policies priced higher than expected or placed with low confidence if something actually happens.
What Insurers Want
Real-time risk visibility, proven incident containment, and demonstrated recovery capability.
Worried cyber could complicate a bigger P&C deal?
The bigger risk is placing no protection and watching the client fail after an attack.
Where Third Wave Fits in the Cyber Insurance Process
Pre-Submission
Insurability Check: identify underwriting gaps before submission to improve approval rates.
Pre-Renewal
90–120 days out: fix issues causing premium increases and strengthen renewal positioning.
Post-Bind
Continuous Risk Protection: 24/7 monitoring and response to keep clients insurable year-round.
No disruption to your process. Just better outcomes.
Benefits For Brokers
- Higher Placement Rates: fewer declined or delayed submissions
- Stronger Client Retention: you're protecting the outcome, not just placing coverage
- Better Carrier Alignment: controls mapped to underwriting expectations, unlocking premium credits and expanded eligibility
For Your Clients
- Defensible coverage when it matters
- Reduced premiums over time
- Faster recovery if something happens
- Lower financial exposure
Where to Start
We recommend starting with 2-3 clients approaching renewal.
1
Assess Insurability
Evaluate each client's current posture against underwriting expectations.
2
Identify Gaps
Surface the specific issues that trigger exclusions, restrictions, or premium increases.
3
Align Controls
Map security capabilities directly to what carriers need to see.