Business Operations Coverage Mapper See where your coverage may fall short.
Choose your industry and the services you offer. The mapper shows the cyber and E&O exposures your operations create, which policies typically respond, and where you may have gaps, plus the questions to ask about your own policy.
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Built for mixed operationsQuestions adapt to every service you select, including combinations.
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Completely privateRuns in your browser. Nothing is saved or sent.
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Coverage map PDFSave your map and share it with your team or broker.
Map your operations to your coverage
Four short steps. You don’t need your policy in hand; answer what you know, and “Not sure” is always an option.
Loading the Coverage Mapper… If it doesn’t appear, call (855) CUT-RISK or email [email protected].
From your services to a coverage map
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Tell us what you do
Pick your industry and every service you offer. Each service maps to the exposures underwriters look at.
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See your coverage map
Compare those exposures with the policies you have now. Possible gaps and items to verify are flagged.
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Get quotes
Continue to our cyber insurance application. Your answers carry over, and our brokers take it from there.
Why mixed operations create coverage gaps
Cyber and E&O policies cover the activities they describe. When a business does more than one thing, part of the operation can fall outside those descriptions, or between two policies.
Definitions describe the business
Professional and technology services are defined in the policy. Activities outside those definitions may not be covered at all.
Cyber isn’t Tech E&O
Cyber insurance responds to breaches and attacks. A client’s financial loss from your technology or service failing usually needs Technology E&O.
Exclusions target specific activities
Exclusions written for one line of business can unexpectedly remove coverage for another part of your operation.
Applications describe a moment in time
New services added after the policy was placed may never have been disclosed or underwritten.
Two policies can still leave a gap
Separate policies for separate activities need to fit together, or a claim involving both may land between them.
Contracts set the bar
Client contracts often require specific coverage types and limits. Falling short can put a deal or renewal at risk.
Coverage Mapper questions, answered.
Have a question that isn’t here? Ask our team.
What does the Coverage Mapper do?
It matches the services your business offers to the cyber and errors and omissions exposures they typically create, shows which types of policies usually respond, and flags possible gaps based on the coverage you have now. It also lists questions to ask about your own policy.
Does the Coverage Mapper tell me whether I’m covered?
No. It is an educational tool based on your answers. Whether a claim is covered depends on your actual policy language, sublimits, exclusions, endorsements, and conditions. A broker review of your policy is the way to confirm coverage.
Is my information saved or sent anywhere?
No. The Coverage Mapper runs in your web browser and doesn’t save or send your answers. If you choose Get Quotes, your industry, services, and current coverage are passed to our application on your device so you don’t have to re-enter them.
What’s the difference between the Coverage Mapper and the application?
The Coverage Mapper takes about five minutes and shows where your coverage may fall short. The cyber insurance application collects the full underwriting details insurers need to quote, and produces a PDF you send to our team.
Why does my combination of services matter?
Policies are usually written for one kind of business. When you combine activities, such as selling software and providing insurance or professional services, part of the operation may fall outside a policy’s definitions or be affected by an exclusion written for another activity.
Ready for coverage built around everything you do?
Complete our cyber insurance application, and our brokers will seek terms from insurers suited to your operations.
The Coverage Mapper is an educational tool. It does not review policy wording, determine coverage, or provide legal advice. Actual coverage depends on policy language, endorsements, exclusions, limits, and conditions. 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