DUAL North America, Inc. (Howden group (UK))
DUAL Cyber Defense
by DUAL North America, Inc.
B2BAMGA—Broker onlyUSAEnglish
Last updated 12.05.2026
Product Details§ 01
Max Insurance Limit
Up to USD/EUR 25M any one risk (primary or excess).
Min Premium / Revenue
No published minimum; SME to USD/EUR 10B revenue; all sizes.
Market Focus
SME, Mid-market, Large, Multinational
Coverage
Cyber crime / FTF, Primary & excess
AM Best Rating
A (Excellent) – AM Best (panel of A-rated carriers via Howden / Lloyd's capacity).
MGA / Direct
Yes – MGA (DUAL Group; part of Howden).
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
USA.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- DUAL: one of the world's largest international MGAs; part of Howden Group; 21 countries; 70+ product lines; 11,000+ broker and agent partners worldwide.
- DUAL Tech Cyber Media: combined Technology E&O, Cyber, and Media Liability in one policy; designed for technology companies and digital media businesses.
- Coverage: Technology Errors & Omissions liability (professional services liability for technology products and services), Cyber (all DUAL Cyber Defense coverages), Media Liability (digital and traditional media).
- DUAL Cyber Active Protect technology stack available as add-on; Silverfort and Cynet integrations.
- Target: technology companies, SaaS providers, media businesses, IT service firms, digital platforms.
- Primary and excess placements available.
Limitations
- Broker-only distribution.
- No cyber risk questionnaire for standard SME business (DUAL Cyber Active Protect tier); full underwriting for complex accounts.
- Coverage and capacity may vary by market/entity — confirm local terms with DUAL underwriter.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
cyber@dualinsurance.com