For Cyber Insurance Carriers & MGAs
Your policyholders' real security posture is visible from the outside—to attackers and now to you. DataShielder gives underwriters continuous, evidence-based risk intelligence on every applicant and insured organization.
Cyber insurance loss ratios have been volatile because underwriting still relies on self-reported questionnaires. What applicants tell you and what their external attack surface reveals are two different stories.
Self-attested applications are the norm in cyber underwriting. But the applicant's actual security posture—exposed keys, leaky APIs, forgotten staging environments—is already visible on the internet. You just need the right lens.
DataShielder integrates into your underwriting workflow from application through renewal—giving you continuous visibility into the risks you're carrying.
Before you write the policy, scan the applicant's domains to see their real external security posture. Questionnaire says "yes, we use MFA"—but their admin panel has default credentials indexed by Google.
Security posture changes after binding. New deployments expose secrets. Developers push API keys to production. Continuous monitoring catches degradation before it becomes a claim.
At renewal, compare the insured's current posture to where they started. During claims, verify whether known exposures were disclosed at application or emerged mid-term.
The majority of cyber incidents that generate insurance claims begin with an externally visible weakness—an exposed credential, an unpatched service, a forgotten staging environment. DataShielder finds these before threat actors do.
Hardcoded secrets in JavaScript bundles, config files, and source maps that grant direct access to cloud infrastructure and databases.
Staging servers, legacy subdomains, and test environments that bypass production security controls and serve as entry points.
Customer data, internal documents, and protected information exposed through APIs, debug endpoints, or misconfigured access controls.
AWS access keys with S3 write permissions in client-side JavaScript bundle
Database connection string exposed in public .env file on staging subdomain
Admin panel at /admin with default credentials, no MFA enforced
API endpoint returning unmasked customer PII without authentication
Stripe API key with live-mode permissions in page source code
Underwriter action: This applicant's questionnaire reported "yes" to MFA, encryption, and access controls. The external scan tells a different story. Price accordingly—or require remediation before binding.
Better risk selection means fewer surprises. Continuous monitoring means earlier intervention. The result: a healthier portfolio and more predictable loss ratios.
Identify high-risk applicants that look clean on paper but have critical external exposures. Decline, surcharge, or require remediation before binding.
Organizations with continuously monitored and remediated external exposures experience significantly fewer breaches. Fewer breaches means fewer claims.
Early detection of exposures limits attacker dwell time and data exfiltration scope. Smaller breaches mean smaller claims payouts.
Move beyond binary questionnaire answers to continuous risk scoring. Price policies based on what you can verify, not what applicants self-report.
Share findings with insureds as a value-add. Policyholders who remediate their exposures become better risks and more loyal customers.
Aggregate risk data across your entire book. Identify concentration risk, systemic exposures, and portfolio-wide trends before they become portfolio-wide losses.
"The applicant checked ‘yes’ to MFA.
Their admin panel says otherwise."
"You insure what they tell you.
You pay for what they hide."
"Every exposed key is an open claim
waiting to happen."
Applicant reports SOC 2 Type II compliance, endpoint detection, MFA everywhere, and encrypted data at rest. Questionnaire score: "Low Risk."
63 subdomains discovered (applicant disclosed 12). Critical findings: exposed database credentials on a staging server, an unauthenticated API returning patient records, and three forgotten test environments with known vulnerable software.
Rather than declining outright, the carrier offers coverage with a higher retention, reduced sublimit for data breach response, and requires remediation of critical findings within 90 days as a policy condition.
The insured remediates all critical findings within 60 days. At month 7, a new deployment exposes an internal API key—DataShielder flags it, the carrier notifies the insured, and it's resolved before any attacker exploits it.
Result: The policy renewed with improved terms for the insured. Zero claims filed. The carrier retained a profitable account with full visibility into the risk it was carrying.
You don't have access to your applicants' source code, internal networks, or security tools. You never will. DataShielder works the same way—assessing what's visible from the outside, which is exactly what attackers see too.
Run pre-bind assessments using only the applicant's domain names. No agents to install, no credentials to request, no delays.
Initial scan results within hours. Full assessment ready before your submission deadline. No multi-week pentest timelines.
Translate technical findings into risk metrics underwriters can act on. Severity-weighted scores that correlate with claims experience.
See what threat actors see. The external attack surface is where the vast majority of breaches begin—and it's what DataShielder monitors.
Security posture changes constantly. A clean scan today doesn't mean a clean posture in six months. Continuous monitoring catches drift.
Clear, non-technical summaries alongside deep technical detail. Built for underwriters to make decisions, not for engineers to debug.
Verify applicant security claims independently. Make binding decisions with evidence, not just attestations.
Incorporate external risk signals into pricing models. Build loss cost projections grounded in observable security posture data.
Access historical posture data during claims investigation. Determine whether exposures pre-dated the policy or emerged mid-term.
Proactively engage policyholders when new exposures appear. Turn risk intelligence into loss prevention before claims occur.
Monitor aggregate exposure across your book. Identify concentration risk and systemic vulnerabilities that could trigger correlated losses.
Clear portfolio-level risk dashboards. Track loss ratio trends against security posture improvements across your insured population.
Your applicants' attack surfaces are visible to every threat actor on the internet. It's time they were visible to you too. Start making underwriting decisions backed by evidence, not attestations.
No applicant cooperation needed • Results in hours • Continuous monitoring included