How We Research & Compare Policies
We believe in full transparency about how we evaluate cyber liability insurance providers. Here’s our methodology, step by step.
1. Provider Identification
We start by identifying all major cyber insurance providers that serve digital agencies in the US and UK markets. This includes both traditional insurers with cyber products and insurtech companies built specifically for technology businesses.
We look at providers recommended by industry associations, insurance brokers specializing in tech companies, and those frequently mentioned in agency communities and forums.
2. Policy Document Analysis
For each provider, we obtain and carefully read the actual policy documents—not just the marketing materials. We pay special attention to:
- Coverage scope and limits
- Exclusions and limitations
- Definitions of key terms (like “cyber incident”)
- Waiting periods and retroactive dates
- Sub-limits on specific coverage types
- Conditions that could void coverage
3. Agency-Specific Evaluation Criteria
We evaluate every provider against criteria specifically relevant to digital agencies:
Client Data Protection
Coverage for breaches involving client data you store or process
Business Interruption
Lost income when a cyber event disrupts your operations
Social Engineering
Protection against phishing, BEC, and impersonation fraud
Regulatory Defense
Legal costs for GDPR, CCPA, and other regulatory actions
Third-Party Liability
Claims from clients whose data was compromised through your systems
Incident Response
Access to forensics, legal counsel, and PR support after a breach
4. Pricing Research
We gather pricing information through multiple channels: direct quotes, broker consultations, published rate information, and community-reported pricing. We present pricing ranges rather than exact figures, since premiums vary significantly based on agency size, revenue, and risk profile.
5. Claims Process Evaluation
A policy is only as good as its claims process. We research each provider’s claims handling by reviewing:
- Published claims procedures and timelines
- Customer reviews and testimonials about claims experiences
- Industry ratings and financial stability scores
- Availability of 24/7 incident response
6. Rating System
Our ratings are based on a weighted scoring system across five dimensions:
- Coverage Breadth (30%): How comprehensive is the policy for agency-specific risks?
- Value for Money (25%): How does pricing compare to coverage provided?
- Claims Experience (20%): How smooth and reliable is the claims process?
- Ease of Purchase (15%): How simple is it to get a quote and bind a policy?
- Additional Services (10%): What extras are included (risk monitoring, training, etc.)?
7. Regular Updates
The cyber insurance market evolves rapidly. We review and update our content on a quarterly basis, or sooner when providers make significant changes to their offerings. Every article and comparison page shows its last-updated date.
Editorial Independence
While we do earn affiliate commissions from some providers, our editorial process is completely independent of our commercial relationships. Commission rates never influence our ratings or recommendations. We have recommended providers with no affiliate program when they offer the best value for agencies.