Manual workflows can't keep up with today's cyber risk. Applications arrive incomplete or inconsistent, slowing bind decisions. Limited visibility into vendor ecosystems and real‑world controls inflates exposure. No way to influence in‑force risk after binding. Claims teams scramble for data during incidents, delaying payouts. Renewals require repetitive work and lack actionable history.
The result? Higher loss ratios, missed growth opportunities, and rising operational costs.
See overlaps in my book and vendors without sharing identities to target partnerships and refine models.
Traditional underwriting lacks visibility into vendor ecosystems and shared customer relationships, making it difficult to identify partnership opportunities and refine risk models.
Spektrum provides zero-knowledge shared customer discovery, allowing insurers to quantify shared clients without revealing identities and identify strategic partnership opportunities.
Get pre‑validated submissions and QBI automation for faster bind, fewer declines, and better pricing accuracy.
Applications arrive incomplete or inconsistent, slowing bind decisions and creating friction in the underwriting process.
Spektrum's Enhanced Application Programs (Proof‑of‑Controls™) provide pre‑validated, structured submissions with AI‑driven scoring and triage.
Influence and track in‑period risk improvements to reduce losses and stand out in a crowded market.
Once bound, there's no way to influence in‑force risk after binding, leaving insurers powerless to improve portfolio performance.
Spektrum's In‑Period Risk Reduction Incentive Programs track and reward better posture mid‑term, enabling insurers to actively manage and improve their portfolio.
Spektrum unifies everything insurers need to manage cyber risk as a lifecycle, not a point in time. Outcomes you can count on:
AI‑triaged, proof‑backed submissions that streamline your underwriting process and reduce risk.
Live posture scoring and improvement incentives that actively reduce portfolio risk and improve profitability.
Cryptographic evidence from panel firms and clients that speeds adjudication and protects margins.
Comprehensive solutions designed to address every aspect of the cyber insurance lifecycle.
Identify shared customers and ecosystem relationships with leading security vendors.
Discover mutual customers without compromising privacy or competitive intelligence.
Collaborate on industry research and consortium initiatives to advance cyber resilience.
Access continuous, real-time security posture data through our comprehensive API gateway.
Streamlined applications with verified security controls and automated risk assessment.
AI-powered underwriting that continuously learns and adapts to evolving cyber risks.
Seamless integration that delivers coverage offers at the optimal moment in the customer journey.
Proactive programs that incentivize and reward customers for improving their security posture.
Comprehensive incident data collection and intelligence sharing to improve risk assessment.
Streamlined renewal processes powered by continuous data and automated decision-making.
A simple three-step process that transforms how you manage cyber risk.
Spektrum isn't another form to fill out—it's your operating system for full‑lifecycle cyber risk.