The #1 AI Cyber Insurance Platform
AI Cyber Underwriter Platform
The first AI-native platform built exclusively for cyber insurance underwriting. Score risk, price premiums, detect hidden threats, map supply chain dependencies, and make binding decisions faster than ever. Designed for insurers, MGAs, and reinsurers who refuse to settle for outdated tools.
The First AI-Powered Cyber Insurance Platform. Built Different.
While the rest of the market still relies on static questionnaires and manual spreadsheets, Rankiteo delivers something entirely new: a fully AI-driven underwriting experience that replaces days of manual analysis with instant decisions. From premium estimation across 21 individual coverage lines to real-time vendor dependency mapping, every feature was designed from the ground up for the speed and intelligence that modern cyber risk demands.
How It All Connects
End-to-End Underwriting Pipeline
From company data to a complete underwriting decision in seconds. Every step is automated and auditable. The platform analyzes multiple risk factors across company fundamentals, cyber scores, incident history, and supply chain dependencies.
Coverage Lines
21 Individual Coverage Lines, Each Priced Independently
Every one of the 21 coverage lines is priced independently based on the company's specific risk profile for that peril, across three categories: Breach, Business Income Loss (BIL), and All Other. A company with strong network security but weak data handling sees low Security Liability premiums but elevated Privacy and GDPR costs — priced to reflect actual exposure, not averages.
Security & Privacy Liability
Security Liability covers third-party claims from network security failures. Privacy Liability covers regulatory defence and claims for data privacy violations. Together they form the core policy bundle (7 Breach lines total).
Regulatory Lines (GDPR, PCI, Proceedings)
Three separate lines — Regulatory Proceedings, GDPR (up to 4% of global turnover), and PCI Demand — each individually priced by exposure. Active DPA enforcement and card-scheme risk are scored independently.
Media Liability & Breach Cost
Media Liability covers defamation, IP infringement, and online media claims. Breach Cost covers the direct forensic, notification, and credit-monitoring expenses following a confirmed breach.
Business Income Loss (4 BIL Lines)
Four BIL coverage lines: standard Business Income Loss, Dependent BIL (supply chain outage), System Failure BIL, and System Failure Dependent BIL — each with configurable waiting hours and SIR.
Cyber Extortion (Expense & Payment)
Two separate extortion lines: Cyber Extortion Expense covers negotiation and recovery costs; Cyber Extortion Payment covers the ransom itself (where legally permissible), plus Reward Payment.
Digital & Financial Loss Lines
Digital Asset Replacement, Computer System Replacement, Reputational Damage, Invoice Manipulation, and three Social Engineering lines (Funds Transfer, Funds in Trust, Personal Funds) — 7 All Other lines.
Visual Intelligence
Data-Rich Underwriting Dashboards
Every metric is visualized, from individual score gauges to portfolio-wide heatmaps. Underwriters get instant visual context instead of scrolling through raw numbers.
Real-time cyber risk gauge with animated needle showing current band positioning. Color-coded from F (critical) to A+ (excellent).
Per-coverage alert matrix generated automatically from incident analysis. Each line shows the evidence signal and recommended action.
Score trend intelligence translates complex data into clear, actionable wording that underwriters can use directly in policy documents.
Capabilities
Everything an Underwriter Needs
Six integrated modules that cover the complete cyber underwriting lifecycle, from lead intake to policy decision. Each module is designed to work independently or as part of the full pipeline, giving underwriters flexibility to adopt incrementally.
AI Premium Estimation
Get instant, accurate premium quotes tailored to each company. Our AI considers multiple risk factors including company size, industry, revenue, cyber posture, incident history, and vendor dependencies to generate per-coverage pricing across three policy terms (6-month, 1-year, and 2-year). No more spreadsheets, no more guesswork.
Company Intelligence
Your complete underwriting CRM with real-time cyber scores for every company in your pipeline. Filter by industry, size, risk band, or trend. Automatically enrich company profiles with LinkedIn data, revenue estimates, and industry classification. Import hundreds of leads at once via CSV.
Incident Deep Analysis
Automatically analyze every cyber incident in a company's history. Our AI reads unstructured incident reports and extracts what matters: financial impact, records exposed, ransomware payments, attack types, and business downtime. Each incident gets a clear severity score so you know exactly what you're dealing with.
Underwriter Alerts
Know exactly which coverages to approve, which to flag, and which to avoid. Color-coded alerts (red, yellow, green) are generated for each coverage line, backed by real evidence from the company's incident history. No more sifting through raw data to find red flags.
Supply Chain Mapping
See the full picture of vendor risk. Our interactive dependency graph maps up to 5 levels of third-party relationships, scoring each vendor independently. Instantly spot concentration risks where too much of your portfolio depends on a single provider. Export reports for regulatory compliance or board presentations.
Portfolio & Benchmarks
Monitor your entire book of business from a single dashboard. See average scores, worst performers, industry concentration, and total incident exposure at a glance. Compare any company against its industry peers and track score trends with clear, understandable wording like Good ROI, Stable, Deteriorating, or Collapsing.
AI Leads Finder
Stop cold-prospecting manually. Enter any company name and the platform searches LinkedIn for decision-makers in security, compliance, GRC, and legal roles. Every contact is enriched with a verified business email and an AI-generated buyer score (1-10) indicating how likely they are to purchase cyber insurance. Then draft a personalized cold email in one click and send it directly from your Gmail or Outlook.
Portfolio Analytics
Portfolio-Level Visibility at a Glance
Aggregate views that let you spot concentration risk, compare against industry benchmarks, and track score trends across your entire book of business.
Industry Benchmark Positioning: See exactly where each company stands relative to its industry peers. Instantly compare against over 1 million rated companies to understand percentile ranking, industry average, and risk band distribution.
Portfolio Risk Heatmap: A matrix view crossing industries with risk bands reveals where your exposure is concentrated. Dark cells indicate high company counts, potential accumulation risk zones. Use this to rebalance your portfolio, set capacity limits by industry/band combination, and identify sectors where you're over- or under-exposed relative to market benchmarks.
Workflow
How It Works
Four steps from company intake to binding decision, fully automated, auditable, and faster than traditional underwriting. Each step is logged for compliance and can be reviewed by senior underwriters at any point in the chain.
Ingest Company
Add a company via LinkedIn ID, domain, or bulk CSV import. The platform automatically enriches each profile with industry, employee count, revenue, location, and more. No manual data entry required.
AI Analysis
The AI analyzes everything: 2-year score history with trend detection, incident deep-dive with severity scoring, supply chain dependency mapping, and industry benchmark positioning against peer companies.
Generate Report
Receive a complete underwriting report: premium estimation across 3 terms (6m, 1y, 2y), per-coverage pricing breakdown across all 21 coverage lines, color-coded underwriter alerts (avoid/caution/approve), score trend wording, and industry percentile ranking.
Bind or Decline
Make data-driven decisions with AI-backed recommendations and full evidence trails. Track every bound policy in your portfolio dashboard with ongoing monitoring. Get alerted if a policyholder's risk profile changes materially before renewal.
Why We Exist
The Cyber Insurance Industry Needed a Revolution
The cyber insurance market is one of the fastest-growing segments in insurance, yet most underwriters still rely on static questionnaires and manual spreadsheets. We built the first platform that changes everything.
The Problem
Cyber risk changes overnight. A company can go from low-risk to high-risk after a single breach, a vendor compromise, or a newly disclosed vulnerability. Yet most underwriters are still using tools designed for property and casualty, where risks are stable and predictable. That does not work for cyber.
Underwriters today face an impossible workload: hundreds of leads per month, each requiring deep analysis of the company's risk profile, incident history, and vendor dependencies. Without the right tools, they either rush and misprice, or take so long that brokers move to a faster competitor.
- Manual risk assessment is slow and resource-intensive
- Many cyber claims come from risks that questionnaires fail to capture
- Incident data is scattered, unstructured, and hard to interpret
- Supply chain risk is invisible to traditional tools
- Industry benchmarks are outdated the moment they are published
Why Rankiteo Is Different
We did not build another tool. We built the first AI-native platform designed exclusively for cyber insurance underwriting. It replaces the entire manual workflow with an intelligent system that delivers a complete underwriting report in seconds.
The platform scores every company in real time, prices premiums across 21 individual coverage lines, flags the risks that matter, maps vendor dependencies you cannot see elsewhere, and benchmarks every lead against its industry peers. Everything an underwriter needs, in one place, instantly.
Rankiteo is the first platform to bring AI-native underwriting to cyber insurance, replacing days of manual work with instant, data-driven risk reports that help underwriters price smarter and bind faster.
Premium Estimation That Actually Reflects Real Risk
Our pricing goes far beyond simple lookup tables. A 50,000-employee enterprise faces fundamentally different risks than a 500-person startup, and our premiums reflect that. The platform considers company size, industry, revenue, cyber posture, incident history, and vendor dependencies to generate quotes that are accurate, defensible, and competitive.
Every premium is broken down by coverage line and offered across three terms (6-month, 1-year, and 2-year), so underwriters can present flexible options to brokers. Pricing adapts in real time as new data comes in, whether it is a newly reported incident, a score change, or a shift in the company's vendor ecosystem.
- Pricing adapts to company size, from micro-enterprises to multinationals
- Industry-calibrated base rates reflecting real-world loss data
- Companies with poor cyber hygiene pay more, as they should
- Score volatility over 24 months impacts pricing for unstable companies
- High-profile companies with large digital footprints are priced accordingly
- Vendor concentration risk is factored into every quote
Turn Unstructured Incident Data Into Underwriting Clarity
Cyber incident reports are messy: different formats, inconsistent details, scattered sources. Our AI reads through it all and extracts what matters. Financial impact, records exposed, ransomware payments, attack types, affected data categories, and business downtime duration are pulled out automatically and organized for you.
Each incident receives a clear severity score from 0 to 100, giving you an instant sense of how serious it was. These scores feed directly into coverage-level alerts, so if a company has a history of major ransomware payments, you will see that flagged immediately on the ransomware coverage line.
- AI reads and structures unstructured incident reports automatically
- Clear severity score (0-100) for every incident
- Batch analysis of 20+ incidents completes in seconds
- Results are cached so repeat queries return instantly
- Findings map directly to coverage-specific alerts
See the Hidden Risks in Your Clients' Vendor Ecosystems
The biggest cyber losses often come not from the company itself, but from its vendors. SolarWinds, Kaseya, and MOVEit showed the world that third-party risk can trigger industry-wide catastrophes. Yet most underwriters have zero visibility into their clients' supply chains.
Our platform maps vendor dependencies up to 5 levels deep, scoring every vendor independently. You will see exactly who your client depends on, who those vendors depend on, and where concentration risks exist across your portfolio. If too many of your insureds rely on the same provider, you will know before it becomes a problem.
- Interactive dependency graph you can explore visually
- Discover up to 5 levels of vendor relationships
- Automatic alerts when concentration risk is detected
- Every vendor scored with its own cyber risk profile
- Export-ready reports for regulators and board meetings
Find Cyber Insurance Buyers Before They Find You
The platform does not just help you underwrite leads — it helps you find them. Enter any company name and the AI Leads Finder searches LinkedIn for the right decision-makers: CISOs, GRC managers, DPOs, compliance officers, legal counsel, and vendor risk leads. These are the people who sign cyber insurance policies.
Every contact is enriched with a verified business email address and an AI buyer score from 1 to 10, which estimates how likely they are to be actively shopping for cyber insurance based on their role, company size, and industry. High-scoring leads go to the top of your queue automatically.
- Finds GRC, CISO, DPO, legal, compliance, and vendor risk contacts
- Every email validated for deliverability before you send
- AI buyer score (1-10) ranks contacts by cyber insurance purchase likelihood
- One-click cold email draft, personalized by job title and company risk profile
- Send directly from Gmail or Outlook — no copy-pasting
- Track lead status: New, Contacted, Responded, Meeting, Closed
Use Cases
Built for Every Underwriting Scenario
Whether you are a Lloyd's syndicate writing global programs, an MGA focusing on SME cyber, or a reinsurer modeling portfolio aggregation, our platform adapts to your workflow.
Primary Carrier: New Business Triage
Screen broker submissions efficiently. Instantly score each lead, generate a preliminary premium indication, and flag companies that warrant deeper review. Dramatically reduce quote turnaround time.
Renewal Portfolio Monitoring
Continuously monitor your existing book for risk deterioration. When a policyholder suffers a breach or sees their cyber score collapse, you receive an alert immediately, not at renewal. Adjust pricing or terms proactively.
Reinsurance & Aggregation Analysis
Model portfolio-level risk aggregation across industries, geographies, and company sizes. Identify concentration risk when too many of your insureds depend on the same cloud provider or vendor.
MGA & Delegated Authority
Empower delegated underwriting teams with guardrails. Set risk appetite rules (maximum company size, excluded industries, incident history thresholds) and let the AI enforce them automatically. Every decision is auditable.
FAQ
Got Questions? We Have Answers.
Everything you need to know before getting started with the first AI cyber insurance platform.
How does pricing work for companies with no incident history?
Every company receives a fully modeled premium regardless of incident history. We price based on the expected risk for that industry and company profile, so you are never caught off guard by a "clean" company that is actually high-risk. No incidents does not mean no exposure.
Where does the cyber score come from?
The Rankiteo cyber score is built from multiple external signals that reflect a company's actual security posture, covering areas like email security, web application protection, vulnerability exposure, and more. Scores are refreshed continuously and we retain 2+ years of history so you can spot trends instantly.
Can I customize the alerts to match my risk appetite?
Absolutely. Every alert threshold can be adjusted to match your portfolio strategy. You decide what triggers an "avoid" versus a "caution" versus an "approve" signal, and those rules apply consistently across all your leads and renewals. Your risk appetite, your rules.
How reliable is the incident analysis?
Our AI continuously improves as it processes more incident data. When the AI has lower confidence on a specific data point, it flags it clearly so you always know what is confirmed versus estimated. This transparency ensures underwriters can make informed decisions.
Does Rankiteo integrate with our existing tools?
Yes. We connect with your existing policy admin, quote-bind-issue, and business intelligence tools. Pre-built integrations are available for common insurance platforms, and we build custom connectors for enterprise deployments. All exports include full audit trails.
What size companies can the platform evaluate?
From micro-enterprises with fewer than 10 employees to multinationals with 50,000+ staff. A 500-person manufacturing firm is priced very differently from a 500-person fintech, and both are different from a 50,000-person retailer. Every segment has calibrated rates that reflect real risk.
How fast can I get a full underwriting report?
In seconds. From the moment you add a company, the platform enriches its profile, analyzes its score history, reviews incident data, maps supply chain dependencies, and generates a complete premium estimate with per-coverage alerts. What used to take days now happens almost instantly.
How many companies are in your database?
Over 1 million companies are already rated and continuously monitored. When you add a new company, the platform enriches and scores it automatically. Our database grows every day as new companies are added by underwriters across the platform.
Is our portfolio data secure?
Your data is yours. We follow strict security practices with encryption at rest and in transit, and role-based access controls. Your portfolio data is never shared with other clients or used for purposes other than serving your account.
How do I get started?
Sign up and start exploring the platform with a free trial. Import your leads via CSV or add them one by one. You will see your first AI-generated underwriting report in seconds. Our team is available to help you get the most out of the platform.
How does the AI Leads Finder work?
Enter a company name and the platform searches LinkedIn for security and compliance decision-makers at that company — CISOs, GRC leads, DPOs, compliance officers, and more. Each contact is enriched with a validated business email and an AI buyer score (1–10) that estimates their likelihood to purchase cyber insurance. You can then generate a personalized cold email in one click and send it directly from your Gmail or Outlook account without leaving the platform.
What is the AI buyer score?
The AI buyer score (1–10) reflects how likely a contact is to be actively considering cyber insurance, based on their job title, the company risk level, company size, industry, and current coverage gaps. A CISO at a mid-market fintech with an expiring policy scores much higher than a junior IT analyst at a low-risk retailer. Use it to prioritize outreach to the contacts most likely to convert.
Join the First AI Cyber Insurance Platform
Leading insurers, MGAs, and reinsurers already trust Rankiteo to score risk, price premiums, and accelerate binding decisions. Be part of the revolution. Start with a free trial today.
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