Summary:Measured Analytics and Insurance: Difference between revisions

|1 = {{#if:{{{bullet|}}}|* }}Salt Lake City, [[Definition:Cyber insurance |cyber insurance]] [[Definition:Managing general agent (MGA) |MGA]], AI-driven underwriting, SMB to mid-market, [[Definition:Canopius |Canopius]]/[[Definition:SCOR |SCOR]] capacity, [[Definition:Wholesale broker |wholesale broker]] distribution

|2 = {{#if:{{{bullet|}}}|* }}Measured Analytics and Insurance is a Delaware-incorporated, Salt Lake City-based [[Definition:Cyber insurance |cyber insurance]] [[Definition:Managing general agent (MGA) |MGA]] offering AI-driven underwriting through its CyberGuard product for businesses under $500 million in revenue, backed by [[Definition:Canopius |Canopius]] and [[Definition:SCOR |SCOR]] capacity and distributed via [[Definition:Wholesale broker |wholesale broker]] networks.

|3 = {{#if:{{{bullet|}}}|* }}🛡️ '''Measured Analytics and Insurance''' is a U.S.-based [[Definition:Cyber insurance |cyber insurance]] [[Definition:Managing general agent (MGA) |managing general agent]] founded in 2018 and headquartered in Salt Lake City, Utah. The company underwrites through [[Definition:Capacity provider |capacity partners]] [[Definition:Canopius |Canopius]] and [[Definition:SCOR |SCOR]], targeting small and midsize businesses with revenues under $500 million via its CyberGuard 2023 product offering [[Definition:Policy limit |limits]] of $500,000 to $5,000,000. Its platform integrates real-time [[Definition:Security posture |security posture]] data from technology partners including AWS, Sophos, [[Definition:SecurityScorecard |SecurityScorecard]], KnowBe4, and Tenable to inform underwriting and deliver [[Definition:Embedded insurance |embedded]] [[Definition:Risk mitigation |risk mitigation]] services. The company closed a second funding round in September 2021 led by [[Definition:Signal Peak Ventures |Signal Peak Ventures]].

|4 = {{#if:{{{bullet|}}}|* }}🛡️ '''Measured Analytics and Insurance''' is a Delaware-incorporated [[Definition:Cyber insurance |cyber insurance]] [[Definition:Managing general agent (MGA) |MGA]] founded in 2018 and headquartered in Salt Lake City, Utah. The company operates a [[Definition:Delegated authority |delegated authority]] model, underwriting through [[Definition:Capacity provider |capacity partners]] [[Definition:Canopius |Canopius]] (rated A- Excellent by [[Definition:AM Best |AM Best]]) and [[Definition:SCOR |SCOR]], and distributing via exclusively licensed [[Definition:Wholesale broker |wholesale broker]] networks. Its CyberGuard 2023 product targets organizations with revenues under $500 million, offering [[Definition:Policy limit |limits]] of $500,000 to $5,000,000 across [[Definition:First-party coverage |first-party]] and [[Definition:Third-party coverage |third-party]] cyber coverages.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}💻 '''Technology platform.''' Measured's underwriting platform integrates real-time [[Definition:Security posture |security posture]] signals from multiple technology partners including AWS Security Hub, Sophos MDR/endpoint, [[Definition:SecurityScorecard |SecurityScorecard]] ratings, KnowBe4 human risk assessments, and Tenable vulnerability data. These integrations support [[Definition:Risk-adjusted pricing |risk-adjusted pricing]], with [[Definition:Premium discount |premium discounts]] of up to 25% available for customers demonstrating strong security controls. All CyberGuard insureds receive [[Definition:Embedded insurance |embedded]] virtual CISO consultancy and active threat monitoring as standard features.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}💰 '''Funding and leadership.''' CEO and founder Jack Vines, previously at [[Definition:Verisk |Verisk]], leads the company alongside President Vince McCarthy and [[Definition:Chief Underwriting Officer (CUO) |Chief Underwriting Officer]] Steven Anderson. Measured closed a second funding round in September 2021 led by [[Definition:Signal Peak Ventures |Signal Peak Ventures]] with participation from Origin Ventures, Royal Street Ventures, Silicon Valley Data Capital, and AV8 Ventures. The company is registered as an [[Definition:Excess and surplus lines |excess line broker]] with the [[Definition:New York Department of Financial Services (NYDFS) |New York Department of Financial Services]] under identifier 1701465.

|5 = {{#if:{{{bullet|}}}|* }}🛡️ '''Measured Analytics and Insurance''' is a Delaware-incorporated [[Definition:Cyber insurance |cyber insurance]] [[Definition:Managing general agent (MGA) |managing general agent]] founded in 2018 and headquartered in Salt Lake City, Utah. The company operates under a [[Definition:Delegated authority |delegated authority]] model, underwriting through [[Definition:Capacity provider |capacity partners]] rather than an owned [[Definition:Balance sheet |balance sheet]], and distributes via exclusively licensed [[Definition:Wholesale broker |wholesale broker]] networks. Measured Insurance Agency, LLC holds a [[Definition:New York Department of Financial Services (NYDFS) |New York Department of Financial Services]] [[Definition:Excess and surplus lines |excess line broker]] listing under identifier 1701465, with a registered address at 250 East 200 South, Suite 1600, Salt Lake City, UT 84111.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}🎯 '''Target market.''' CyberGuard materials target organizations with revenues under $500 million, spanning the upper-SME to mid-market spectrum. Product positioning includes primary and excess capability with [[Definition:Policy limit |limits]] of $500,000 to $5,000,000. All classes are considered, though an unfavorable appetite exists for crypto-exposed businesses, public administration, education, gambling, managed service providers, payment processors, social networks, and title agencies.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}📋 '''CyberGuard 2023 coverage.''' The product provides [[Definition:First-party coverage |first-party]] coverages including breach investigation costs, [[Definition:Cyber extortion |cyber extortion]] with no [[Definition:Coinsurance |coinsurance]], data and system restoration including bricking, [[Definition:Business interruption insurance |business interruption]] including system failure and [[Definition:Contingent business interruption |contingent business interruption]], reputational harm, crisis communication, [[Definition:Cryptojacking |cryptojacking]], and [[Definition:Cybercrime coverage |cybercrime]]. Third-party coverages include [[Definition:Cyber liability insurance |privacy and cybersecurity liability]], [[Definition:Digital media liability |digital media liability]], [[Definition:Regulatory liability |regulatory liability]], and [[Definition:PCI liability |PCI liability]]. Full limits apply to all [[Definition:Insuring clause |insuring clauses]] except cybercrime (capped at $300,000) and contingent system failure (capped at 50% of [[Definition:Aggregate limit |aggregate]]).{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}⚖️ '''War and terrorism.''' The policy includes affirmative [[Definition:Terrorism insurance |terrorism coverage]] and non-attribution-based war language, indicating a [[Definition:War exclusion |war exclusion]] framing that is not purely attribution-dependent. Claims handling and [[Definition:Breach response |breach response]] are provided by [[Definition:Canopius |Canopius]], and all insureds receive virtual CISO consultancy and active threat monitoring as [[Definition:Embedded insurance |embedded]] services.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}🏦 '''Capacity and distribution.''' Canopius (rated A- Excellent by [[Definition:AM Best |AM Best]]) joined [[Definition:SCOR |SCOR]] as a long-standing capacity provider to expand cyber insurance solutions for SMBs in the United States. Distribution operates through wholesale broker channels plus an AWS cloud ecosystem route, where Measured runs a quoting solution driven by AWS Security Hub posture assessments. The company achieved the AWS Cyber Insurance Competency in November 2023.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}🤝 '''Technology partnerships.''' Strategic alliances integrate security telemetry with insurance pricing: Sophos offers premium reductions of up to 25% for MDR/endpoint customers, [[Definition:SecurityScorecard |SecurityScorecard]] links security ratings to premium incentives, KnowBe4 provides discounted training and premium credits for strong human risk practices, and Tenable contributes vulnerability data. These partnerships create a data-integrated underwriting model that blends [[Definition:Risk selection |risk selection]] with active mitigation.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}👤 '''Leadership.''' CEO and founder Jack Vines previously worked at [[Definition:Verisk |Verisk]], where he identified gaps in real-time [[Definition:Security posture |security posture]] monitoring for cyber insurance. Vince McCarthy serves as President, Steven Anderson as [[Definition:Chief Underwriting Officer (CUO) |Chief Underwriting Officer]], Nick Little as Head of Insurance, and Zach Atya as Director of Insurance.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}💰 '''Funding.''' The company closed a second round of funding in September 2021, led by [[Definition:Signal Peak Ventures |Signal Peak Ventures]] and joined by Origin Ventures, Royal Street Ventures, Silicon Valley Data Capital, and AV8 Ventures. The amount raised was not publicly stated. Capacity-partnership communications reference a profitable growth positioning, but no [[Definition:Gross written premium (GWP) |GWP]], [[Definition:Loss ratio |loss ratio]], revenue, or headcount metrics have been disclosed.{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}||{{pb}}}}{{#if:{{{bullet|}}}|* }}⚠️ '''Risk factors.''' Key structural risks include capacity dependency on Canopius and SCOR, [[Definition:Aggregation risk |cyber aggregation]] exposure through business interruption and contingent coverages, operational execution risk tied to continuous monitoring and data pipeline reliability, multi-state regulatory compliance obligations, and go-to-market concentration across broker and ecosystem partner channels. Observable strategic pillars center on analytics-driven underwriting, security-telemetry partnerships, bundled [[Definition:Risk mitigation |risk mitigation]] services, and scalable capacity arrangements.