🇺🇸 USA
Beazley Insurance Company, Inc. / Beazley America Insurance Company, Inc. (USA) (Beazley plc (UK))

Full Spectrum Cyber
Beazley Breach Response (BBR) – USA

by Beazley Insurance Company, Inc. / Beazley America Insurance Company, Inc. (USA)
B2BADirect—Broker onlyGlobalEnglish
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Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Up to $10M+ (Full Spectrum); bespoke above.
Min Premium / Revenue
No minimum for SME; minimums for larger accounts.
Market Focus
All sizes; all industries.
AM Best Rating
A (Excellent) – AM Best (Beazley Insurance Company, Inc.)
MGA / Direct
No – Direct insurer (admitted + E&S).
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global.
Broker Only
Yes

Advantages & Limitations§ 02

Advantages

  • Beazley USA Insurance Group: #19 US cyber insurer by 2023 DPW ($149.6M; 2.1% market share); 2024 DPW $150.9M (+7.6%); 93.7% standalone.
  • US surplus lines: Beazley Excess and Surplus Insurance, Inc. (from Jan 2024) and Beazley syndicates at Lloyd's.
  • Full Spectrum Cyber: flagship US product with before/during/after cyber services; industry-leading in coverage breadth.
  • Beazley Breach Response (BBR): proprietary policy wording; notification up to 2M individuals and up to $2.5M breach response; $10M+ policy limits.
  • Beazley Security (wholly owned): in-house cybersecurity company (Lodestone acquired); MDR (managed XDR), incident response, exposure management, advisory — included in policy.
  • Cyber catastrophe bond pioneer: $670M+ in cyber cat bonds; $1B+ XoL programme.
  • FLEX consortium (2024): combined cyber + financial institutions liability.
  • $6.16B gross worldwide premiums (2024); 2+ decades cyber underwriting experience.
  • March 2026: Zurich Insurance Group agreed to acquire Beazley for £8.1bn — pending regulatory approval.

Limitations

  • Minimum premiums for larger accounts.

Contact & Response§ 03

Customer Contact
https://www.beazley.com/en-US/products/cyber-usa/
24/7 Crisis Hotline
24/7 via Beazley Security MXDR and incident response.
Broker Contact
https://www.beazley.com/en-US/