What Is Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^1,3,4Company-reported. Brand-level offering; not a statement that the brand is the risk-bearing insurer.

Buying insurance and deciding where to spend your security budget are separate decisions. Evaluate them separately: a good risk model doesn’t tell you what a policy will pay. ²

What Are the Pros and Cons of Resilience?

Pros

• Technology-specific scope.

  Software, hardware and technology-services businesses can consider Resilience Tech E&O, which advertises $10 million limits on US primary and excess placements. ⁴Company-reported. Technology-specific professional liability; not general professional E&O or a guarantee of offered limits.

  This gives a technology team a concrete starting point for discussing liability from its products and services.

• Security budgeting tools.

  Resilience’s Edge service helps prioritize security spending by estimated financial impact, while Arc shows cyber risk across entities; these tools are risk-management services, not insurance. ^8,9Company-reported. Current named cybersecurity products; outcomes not independently established.

  For a finance team overseeing several subsidiaries, the portfolio view is a different purchasing consideration from the insurance limit alone.

• Defined incident support roles.

  Resilience says an in-house team and claims manager are available 24/7 through settlement, with privacy, forensic, recovery and crisis specialists; these service claims are not independently measured. ⁶Company-reported. Claims operating model; no response-time, acceptance-rate or recovery performance claim adopted.

  Ask how the claims manager and external responders would coordinate with your own security team.

Cons

• Early-stage fit needs checking.

  Resilience lists technology E&O for businesses with $25 million–$10 billion revenue in software, AI, hardware, services, data centers and telecom; smaller startups should ask whether an exception is possible. ⁴Company-reported. Published US primary and excess technology E&O appetite; not a minimum established for every cyber product.

  If you are bootstrapped or pre-revenue, establish appetite before investing time in a detailed technology E&O submission.

• California access is not established by national marketing.

  Confirm California insurer and admitted or surplus-lines route before applying because reviewed product pages do not establish them for cyber or Tech E&O. ^3,4,2Not found in reviewed sources. California eligibility remains unresolved; neither the San Francisco office nor a national producer number establishes state product availability.

• Public pages do not settle the all-in cost.

  Get premium, taxes, placement costs and security charges itemized because reviewed pages do not publish standard fees or commission rates. ^5,7,2,10,3,4Not publicly disclosed. Public-source review, not a finding that charges or commissions are absent.

How Does Resilience Work?

Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was documented. ^5,7Company-reported. Observed public broker/contact route; no application submitted or portal accessed.

Start by asking your broker to confirm the product and revenue appetite for your business. For a software company, describe what the software does, who relies on it and the contractual liabilities you want the quote to address. Ask which application, financial information and security evidence the underwriter actually requires; do not treat a demo request as an insurance application.

Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ²Company-reported. US distribution entity; regulator license lookup not completed.

Ask which insurer will issue your California policy: Resilience names Homeland Insurance Company of New York or Delaware but not which one applies to a specific quote. ²Company-reported. Company-reported US insurer disclosure; no binder or California policy form reviewed.

The distributor, your advising broker and the insurer may perform different tasks. Have the proposal identify who is placing the risk, who can authorize changes and which entity appears on the policy declarations. ²

What Coverage Does Resilience Offer, and Where?

Businesses can ask Resilience about primary or excess cyber limits up to $20 million, including privacy and eCrime; confirm the eCrime sublimit (advertised up to $500,000) and conditions in the quote. ³Company-reported. Marketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.

For a finance team worried about fraudulent transfers, request the actual eCrime wording and conditions rather than comparing the headline cyber limit alone. For a technology team, ask the broker to map the proposed E&O wording to your customer contracts and service commitments. The advertised limits are a starting point for those questions, not a coverage determination. ^3 4

Do not assume that an excess placement has the same scope as the primary policy beneath it. Ask for the attachment point, underlying-insurance requirements and any differences in wording. For a Bay Area company, resolve the California placement question before relying on a national product description. ^3 2

How Is Resilience Paid, and What Service Does It Provide?

You can buy insurance without buying Resilience security services; confirm which tools are bundled and which require a separate agreement. ²Company-reported. Company disclaimer; does not establish free services or package pricing.

When comparing a combined proposal with insurance alone, ask for the security deliverables, responsible team and separate contract price. Decide who internally will act on the risk findings and how those actions will fit the engineering budget. ^8 9

Ask Resilience for renewal deadlines and service timing because reviewed pages do not specify renewal documents, price commitments or standard turnaround. ^5,3,4Not publicly disclosed. Scoped to current HTML pages; older package materials were not used to promise current renewal terms.

Before binding, get the policy’s incident-reporting instructions and approval requirements for outside counsel and forensic vendors. A published service description does not replace the notice provisions or establish that every expense is covered. ^6 2

What Should You Confirm in Resilience Quotes?

• Eligibility and California route: Does your revenue, business activity and location fit the proposed product? Request the producer’s California license details, exact issuing insurer and admitted or surplus-lines placement basis.
• Technology obligations: Which products, AI functions and professional services are insured, and how does the wording address liabilities in your customer agreements?
• Cyber amounts: What are the retentions, eCrime sublimits, exclusions and conditions? Which response costs fall inside or outside the limit?
• Security package: Which tools and services are included, separately priced or optional? What information must your team provide and maintain?
• Claims and renewal: Who receives notice, which responders require consent, and what underwriting information is due at renewal?

Request written answers with the proposal and policy forms. ^4 3 2 6