Zephyr for Insurance
Zephyr for Insurance Underwriting
Cryptographic “Proof of Posture.” Eliminate claims disputes with mathematically unforgeable audit trails of client security behaviors—backups, patching, detections—across every cyber liability policy you write.
The Accountability Gap
Cyber liability insurers are flying blind. Policyholder attestations about their security posture are self-reported, unverifiable, and routinely inaccurate. When a breach occurs, the ensuing claims dispute becomes a costly he-said-she-said.
Were backups running? Were critical patches applied within SLA? Were endpoint detections active at the time of compromise? Today, there is no cryptographic proof—only mutable logs and best-effort assertions that crumble under litigation.
Zephyr replaces trust with math. Continuous, tamper-proof attestation of every security behavior that matters to your loss models.
End-to-End Outcomes
Lower Loss Ratios
Continuously verified security postures mean fewer undetected gaps at the time of underwriting. Price risk accurately with cryptographic evidence of actual controls—not questionnaire answers—and reduce claim frequency across your book.
Dynamic Premium Incentives
Reward policyholders who maintain verified posture with real-time premium adjustments. Zephyr's continuous attestation stream enables usage-based insurance models where better security equals lower cost—creating alignment between carrier and client.
Zero-Trust Auditing
Eliminate reliance on self-reported compliance. Every backup completion, patch deployment, and detection activation is cryptographically sealed at the source. When a claim lands on your desk, the evidence is already there—immutable and litigation-ready.
Claims Dispute Resolution
When breaches happen, Zephyr provides mathematically unforgeable records of what protections were active at the exact moment of compromise. Resolve disputes faster, reduce litigation costs, and eliminate ambiguity from the claims process.
Transform Your Underwriting
See how Zephyr replaces self-reported attestations with cryptographic proof—and what that means for your loss ratios, premium models, and claims process.