Cyber insurance specialists since 2011 Independent. Focused. Built for complex risks.
Cyber Data Risk Managers LLC (CDRM) is an independent insurance brokerage that has focused on cyber liability and Technology E&O insurance for 15 years. ComplexCyber.com is our home for businesses whose technology, data, contracts, or limits make them harder to insure, and who need coverage that actually fits.
We grew up with the cyber insurance market
We began focusing on cyber insurance in 2011, when it was still a niche product that few businesses bought and fewer brokers understood. Since then, the market has changed dramatically, and so has what it takes to place a cyber risk well.
Ransomware turned cyber insurance from optional to essential. Underwriting moved from short questionnaires to detailed reviews of security controls. Client contracts began requiring specific cyber and Technology E&O limits and wording. And businesses that combine software, services, data, and payments started falling between standard policy definitions.
ComplexCyber.com is where CDRM brings that experience together: a home for businesses whose cyber risk doesn’t fit a standard policy, and the specialized brokerage they need to get it covered.
How cyber insurance has changed
- Early marketCyber was a niche coverage with simple applications and broad appetite.
- The ransomware eraRising losses brought higher rates, sublimits, and tighter terms.
- Controls-driven underwritingMFA, EDR, and tested backups became conditions for coverage.
- Contracts and complexityClient contracts, combined operations, and AI now shape what coverage a business needs.
Specialized brokerage for complex cyber risks
Most businesses can buy a basic cyber policy online. Our clients come to us when that isn’t enough.
Specialists, not generalists
Cyber liability and Technology E&O are our focus, not one line among dozens. We know how these policies are worded and how underwriters evaluate risk.
Independent
As an independent brokerage, we represent you, not an insurer. We approach the markets best suited to your operations and compare terms, not just price.
Built for complex risks
Mixed operations, high limits, demanding contracts, prior claims, and declined applications are the situations we’re built for.
Contracts and coverage, read together
We compare your client contracts with your policy wording, so the coverage you buy matches the obligations you’ve signed.
Clear, complete submissions
Underwriters decline what they can’t understand. We present your operations and controls accurately, so your risk gets a fair evaluation.
Advice beyond the quote
From renewals to new contracts to changes in your business, we help keep your program aligned with how you actually operate.
Meet our founder
Christine Marciano
Founder & President, Cyber Data Risk Managers LLC
Christine founded Cyber Data Risk Managers in 2011 with a focus on one of insurance’s fastest-changing lines: cyber and data breach coverage. For 15 years she has helped technology companies, professional firms, and businesses with complex operations understand their cyber exposures and build cyber and Technology E&O programs that fit how they actually operate.
Beyond cyber, Christine places all types of business insurance, including management liability (directors and officers, employment practices, and fiduciary liability) and intellectual property coverage, so clients can coordinate their entire program with one broker who understands how the policies fit together.
Christine is known for reading policy wording line by line. She works directly with every client on coverage reviews, contract insurance requirements, high-limit programs, and difficult placements, and she designed the Coverage Mapper and online application on this site to make complex submissions clearer for clients and underwriters alike.
Businesses where technology and liability meet
Our clients are technology-driven businesses where a system failure, data incident, or service error can create significant liability for them or the customers who rely on them.
- SaaS and software companies
- IT and managed service providers
- Cybersecurity firms
- Technology consultants
- Data and analytics companies
- Fintech and payments
- Insurtech and insurance services
- Healthcare technology
- AI companies
Start on your own, whenever you’re ready
Both tools run privately in your browser. Nothing is sent to us unless you choose to send it.
Coverage Gap Assessment
Six questions, about two minutes. See which parts of your current cyber and Tech E&O program are worth reviewing first.
Take the assessmentBusiness Operations Coverage Mapper
About five minutes. Pick your industry and services to see the exposures they create and where your coverage may fall short.
Map your coverageCyber Insurance Application
A cyber and Technology E&O application that adapts to everything your business does. Save it as a PDF and send it to us for quotes.
Get QuotesCyber Data Risk Managers LLC
Cyber Data Risk Managers LLC is an independent insurance brokerage based in Miami, Florida, placing coverage for businesses across the United States through licensed insurers and intermediaries.
Contact us
- Phone: (855) CUT-RISK
- Email: [email protected]
- Location: Miami, Florida
- Online: Request a coverage review
Complex cyber risk? That’s what we do.
Tell us about your business, contracts, and current coverage. We’ll help you evaluate your options.
ComplexCyber.com is operated by Cyber Data Risk Managers LLC, an independent insurance brokerage. Insurance availability, eligibility, terms, limits, and pricing are subject to insurer underwriting and approval. No coverage is bound through this website. Privacy Policy