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Cyber risk modeling for public entity risk pools

Know what a bad cyber year costs your pool, set insurance limits, and focus member cyber support where it matters most.
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OVERVIEW

Your members want answers on cyber. Give them one with cyber risk quantification for public entities

CyberCube gives you that answer, with the cyber insurance analytics that insurers, reinsurers and brokers rely on: financial loss modeling for your pool's cyber program and member cyber support for public entity risk pools, including joint powers authorities (JPAs), joint insurance funds (JIFs), and intergovernmental risk pools.

A defensible cyber number for your board

Know what a bad cyber year costs the pool and how much your program covers, in the capital adequacy terms your board and actuary already use.

Right-sized cover for every member

See which members are under- or over-insured and compare limits, retentions and reinsurance side by side, so renewals rest on evidence, not precedent.

Member support where it matters most

Know which members drive the pool’s losses and need help first, with plain-language reports they can act on and no extra work for your team or members.

Trusted by industry leaders

85% of the top global cyber brokers use CyberCube to advise clients on risk transfer

75% of the top global cyber (re)insurers use CyberCube to track and manage cyber risk

~10 years modeling cyber risk for the insurance industry

Two services, one partner

Buy either. Buy both.

Protect your pool's capital and stretch your team further. Choose financial loss modeling, member cyber support, or both, built on the cyber risk analytics trusted by the world's leading cyber brokers and (re)insurers.

Financial Loss Modeling

Quantify your pool's cyber exposure and make program decisions that protect capital and optimize members' investment.

  • Program-level cyber aggregation modeling: your pool's exposure in a worst-day cyber event, including systemic risk from shared vendors and IT providers
  • Member-level modeling: whether each member is adequately covered
  • Sensitivity testing of alternative limits, retentions and cyber reinsurance or excess structures
  • Capital adequacy at severity or return periods that align with your risk management at any view, e.g. at the 95th percentile, 1-in-200, plus total cost of risk and insurance payback in a board-ready summary
Member Cyber Support

Reach more members with the team you have, and show them the value they get.

  • Cyber hygiene dashboard that tracks every member's posture and flags who needs support first
  • Member reports that get to the "so what", with clear, prioritized actions
  • Quarterly reporting that shows progress to members and management
  • A named CyberCube expert who digs into the data with you
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How one risk pool narrowed 1,500 members to the 50 that need cyber help most

A US risk pool with 1.5 cyber professionals and 1,500 members needed to focus its support. CyberCube narrowed the membership to the 50 members with the most pressing cyber needs, built custom reports the pool uses in member conversations, and modeled the existing program to confirm balance-sheet strength and uncover opportunities.

  • 1,500 members narrowed to 50 priorities
  • Custom reports used in member conversations
  • Program modeled to confirm balance-sheet strength

Cyber risk modeling for everyone who keeps a risk pool protected

From the broker who places the program to the executive who answers to the board, CyberCube gives every part of a public entity risk pool the cyber analytics it needs.

  • Your pool clients' programs are often under-limited, and renewals default to "we've always bought this." CyberCube gives your public entity practice independent cyber analytics on pool and member exposure, with client-ready outputs and talking points you can present without us in the room. It's a retention lever, not another product to sell: bring your client a data-backed view of cyber limit adequacy and keep the account.

    • Client-ready reports with broker talking points alongside every chart
    • Member-level visuals that show where the largest members are under-insured
    • Consistent with the Broking Manager analysis your team may already use
    • Flexible commercial routing: invoice the broker or the pool

  • You own the program and the member relationship. CyberCube gives you an independent, member-level view to bring to your broker, so you can see which members are under-insured, test alternative structures side by side, and go into renewal with evidence. Whether your membership is school districts, municipalities, counties, special districts or community colleges, every member is modeled on its own exposure.

    • Insured vs uninsured exposure, member by member
    • Side-by-side comparisons of limit, retention and reinsurance options
    • Results framed in the capital adequacy terms your actuary already uses (95th percentile, 1-in-200)
    • Low lift on your staff and members: CyberCube does the work

  • One or two people can't cover hundreds of members. CyberCube's outside-in data tells you who needs support first and what to raise with them, in reports members can act on without hiring a managed service provider to interpret them. From a K-12 district with its own IT team to a three-person special district, every member gets an assessment without filling in a questionnaire.

    • Prioritization dashboard across your whole membership
    • Plain-language member reports with clear next steps
    • Posture tracked over time to show measurable improvement
    • Minimal inputs: organization name, domain, industry and revenue band
    • Modeling that links security improvement to dollars of loss avoided

  • When the board asks whether the program is protected, give it an answer: what a bad cyber year costs the pool, how much is covered, and what it costs to close the gap. Cyber, in the same capital adequacy language you use for every other line.

    • Board-ready summary by percentile, total cost of risk and insurance payback
    • Visibility of systemic exposure from vendors and IT providers shared across members
    • Member services that show clear value and strengthen retention

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Frequently Asked Questions (FAQs)

  • CyberCube quantifies a public entity risk pool's cyber exposure by modeling every member's potential losses and aggregating them across the pool, showing what the pool could lose in an average year, at the 95th percentile and in a 1-in-200 year, and how much of that loss its current program covers. The results come in a board-ready summary, framed in the capital adequacy terms pools already use.

  • Cyber aggregation risk is the chance that a single event, such as an outage or breach at a software vendor or IT provider that many members share, causes losses at dozens of school districts, municipalities or other members at once. CyberCube models that systemic exposure for public entity risk pools, showing which shared technologies a pool's members depend on and what a systemic event could cost the pool as a whole.

  • There is no single right answer, but CyberCube helps public entity risk pools find theirs by modeling how alternative retentions, aggregate limits and reinsurance or excess structures would perform against the pool's modeled cyber losses, from an average year through to a 1-in-200 year. Pools and their brokers can compare options side by side on cost, uninsured loss and total cost of risk before renewal.

  • CyberCube's member-level modeling estimates each member's cyber loss potential and compares it with the cover it actually has, so a risk pool can see which members are under-insured, which may be over-insured, and where a one-size-fits-all limit leaves its largest members exposed. Pools often find a small number of members drive most of the loss.

  • CyberCube helps public entity risk pools prioritize member cyber support with a dashboard that ranks every member by cyber hygiene and modeled financial loss, so a cyber team of one or two people knows which members to work with this quarter and what to raise with each of them. Plain-language member reports then turn findings into clear, prioritized actions members can take.

  • Scanning tells a pool what is wrong with each members’ security, so it knows who needs support first. Cyber risk modeling tells the risk pool what a bad cyber year could cost the whole pool and its members, so it can set limits, retentions and reinsurance on evidence. CyberCube does both.

  • Very little. CyberCube uses outside-in data, so the members of a public entity risk pool don't fill in questionnaires, long cyber applications or self-assessments. The pool only provides each member's organization name, domain, industry and revenue band before CyberCube does the rest. Members need no IT staff to take part, and the pool's own team agrees objectives and uses the outputs.

  • CyberCube works alongside a risk pool's broker, not around them: many public entity risk pools engage CyberCube through or with their broker, who can introduce the engagement, co-deliver the analysis and fund the work as part of the services they provide to the pool. Public entity brokers use our analytics to move renewal conversations from price to adequacy and bring their pool clients an independent view of cyber exposure.

Financial loss modeling, member cyber support, or both. Talk to our team about your pool.

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