Smart Cyber Insurance + Cyber Excess

Smart Cyber Insurance policies begin with information gathered through the proprietary Corvus Scan which helps to quantify cyber risk. This intelligence enables our team to deliver optimal pricing and coverage options within minutes. Each policy includes a Corvus Scan report with detailed IT security recommendations, access to our Policyholder Dashboard and vCISO experience, and ongoing vulnerability alerting.

[SMART INSURANCE DIAGRAM] Corvus Smart Cyber Insurance + Cyber Excess


Primary risks earning up to $1B in gross annual revenue

Excess risks earning up to $1B in gross annual revenue

Limits up to $5M

See Industry Classes


Smart Cyber Form

Smart Cyber Brochure

Policyholder Dashboard: Interactive Walkthrough

Coverage Details

Comparison Sheet

Claims Handling

Risk + Response Services

Policy Features - Smart Cyber Insurance

Smart Cyber Coverage

Our proprietary underwriting process leverages new sources of data analyzed with machine learning to quote cyber insurance coverage for most accounts within minutes, while also providing our experienced underwriting team with tools and insights to work on complex risks.

Online Broker Platform

Corvus's broker platform, the CrowBar, optimizes quoting with the shortest application in the industry, enabling brokers to request and receive quotes within minutes for most accounts. The CrowBar provides brokers with instant access to extensive resources, including a risk management portal for cyber education and training.

Risk Mitigation

Policyholders receive a Corvus Scan report quarterly that highlights prioritized IT vulnerabilities, risk mitigation techniques, and access to services found in the Corvus Vendor Marketplace for further cybersecurity insight. Ongoing cyber threat monitoring and risk alerts enhance threat intelligence and ensure that brokers and policyholders are informed of emerging risks.

Incident Response

A digital claims experience improves access and visibility to the claims process. Our dedicated breach response and cyber claims teams can work with you to establish your incident response procedures prior to a claim and in the event of an incident will work with you throughout the life cycle of the claim, assisting with the engagement of vetted and trusted partners such as breach counsel and forensics firms to ensure success.

Cyber Excess

We consider Excess insurance policies for accounts with up to $2 billion in annual revenue, offering limits up to $10 million. Our follow-form Excess policy includes the same detailed IT security recommendations we deliver with our primary Smart Cyber offering.

Embedded Cyber Solutions

We partner with insurers, program managers, captive managers, and other risk-sharing pools to embed our industry-leading Smart Cyber Reinsurance product in their core offering. If your growing business is in search of new differentiators to attract agents, win sales, and provide a more complete offering, click to learn more.

Comprehensive + Flexible Coverage

The art of underwriting complex risk should never lose its human touch. While much of our underwriting process is automated through risk models built by our Data Science team, we understand that certain cases require expert review. Our Underwriting Team has decades of experience in Cyber and Tech E&O, so no matter the size or distinctiveness of the business, you can be sure the quote you’re getting has been developed with care.

Third-Party Coverages:

  • Network Security and Privacy Liability
  • Regulatory Investigations, Fines, and Penalties
  • Media Liability
  • PCI DSS Assessment Expenses
  • Breach Management Expenses

First-Party Coverages:


  • Bricking Coverage
  • Invoice Manipulation
  • Forensic Accounting Coverage
  • Bodily Injury
  • Criminal Reward Coverage
  • Preventative Shutdown

Industry Classes Covered by Smart Cyber Insurance + Cyber Excess 

We cover most risk classes, including:

  • Healthcare

  • Retail

  • Financial Institutions

  • Education

  • Professional Services

  • Life Sciences

  • Manufacturing

  • Construction

  • and more

Exempt classes include: Casinos/gambling risk, colleges/universities, cannabis-related risks, pornographic/adult content related sites, social media/networking (websites relying on user-generated content, blogs, chat rooms and online networking forums), payment processors

Risk + Response Services and Claims

Risk mitigation services. Breach response experts. Real-time access to claim information. Welcome to smarter insurance.

[SMART INSURANCE DIAGRAM] Corvus Risk + Response Services

Data drives Corvus – and that includes the claims experience. With our Policyholder Dashboard, brokers and policyholders get instant access to claims information and ongoing cyber risk recommendations to aid in data loss prevention, incident response planning, and overall risk avoidance.

When a Smart Cyber Insurance claim occurs, the Corvus claims team works directly with the policyholder as well as with our risk-taking partners to manage the claim. We’ll introduce trusted vendors to meet the needs of the situation, including privacy counsel, forensics researchers, and notification.

After the dust has settled, our Data Science team gathers Corvus Scan data on the impacted IT system from one week and one month before the claim. The Corvus team advises the policyholder on how to improve IT security, providing specific recommendations through artificial intelligence.

And before a claim ever occurs, we offer policyholders a number of opportunities to improve their cybersecurity, with features such as our Corvus Security Control Consults, plus reduced-cost offerings from partners. Learn more about our standard services and enhanced services for larger accounts.

Common Questions - Smart Cyber Insurance + Cyber Excess


Corvus's Cyber policy covers losses resulting from a security breach or cyber crime event, including: first-party losses, or losses suffered by your company (for example, income loss or digital asset loss) and third-party losses (amounts which your company is legally obligated to pay to others).

Corvus considers several factors when calculating premiums, including the applicant's score on our non-invasive IT security scan, the applicant's revenue and nature of business, the quality of the applicant's cybersecurity controls, and the limit requested.

Premiums can range depending on the type and size of the business insured. Annual premiums start at around $2,000.

Common incidents that trigger claims include:

  • Ransomware attacks: hackers lock up files or devices and demand a ransom payment in exchange for release

  • Data breaches: confidential data is stolen or otherwise exposed

  • Wire fraud: an employee is tricked into sending money to a scammer

  • System failure: shutdowns due to system outages that may or may not be malicious in nature

A Corvus policy includes risk mitigation services such as continuous scanning capabilities and real-time alerting in the event a new critical vulnerability is detected. Insureds also have access to discounted rates with third-party vendors to assist them when needed and can use their scan findings to implement increased security controls.

Contact your commercial insurance broker and ask them about cyber liability coverage. Corvus's offerings are available via select appointed agencies around the country.

Start Quoting

Want to get quoting with Corvus? Drop us a line and we will set you up on our platform, the CrowBar®, for automated quoting.

If you’re already a user of the CrowBar, click here to log in.

If you’d like to notify Corvus of a claim, please email

If you have any other questions about our products, coverage, and appetite, let us know and our underwriting team will respond within one business day.