Beazley BBR (Full Spectrum Cyber)

Advantages

• Beazley: leading specialist insurer; pioneer in cyber risk for 20+ years; 7 Lloyd's syndicates; $6.2B GWP (2024); A (Excellent) – AM Best across all entities. Operations in Europe, North America, Latin America and Asia.
• Beazley Breach Response (BBR) — Full Spectrum Cyber: flagship cyber policy; BBR 5.0 wording (effective July 2025) — most comprehensive ever; streamlined language; integrated endorsements.
• Coverage (4 pillars): Breach Response (forensics, legal, notification, credit monitoring, PR); First Party (BI, extra expense, data recovery, hardware loss, cloud charges, ransomware); Third Party (network security liability, privacy liability, regulatory fines, PCI DSS); eCrime (social engineering, FTF, telephone fraud, ransomware).
• Available as admitted and surplus lines (US); primary and excess placements available.
• Beazley Security (wholly owned subsidiary, launched June 2024 — merger of Beazley cyber services + Lodestone): in-house cyber risk management company with MXDR (Managed eXtended Detection & Response), incident response, forensics, and professional pre-breach services.
• Risk Management Offerings (RMOs — included in every BBR/InfoSec/MediaTech policy): attack surface scanning, workshops, training, phishing-resistant MFA keys, vendor discounts; tiered by premium ($30K+, $50K+, $100K+).
• Zero Dollar IR Retainer: all Beazley cyber policyholders get immediate expert IR from Beazley Security.
• CYGNVS: secure out-of-band incident command platform — available to every policyholder.
• Cyber Cash: advance payment feature for eligible policyholders to manage immediate costs.