Our clients average 40% in premium savings and
60% more coverage — simultaneously.
Find out where you stand in under 30 minutes.
Here are five things most business owners discover too late — usually at claim time.
The cyber insurance market has shifted dramatically. 8 in 10 businesses are paying more than they should for coverage that could be restructured at a lower cost and higher limit.
Policy exclusion clauses have grown 40% longer since 2020. Nation-state attacks, unpatched software, and war exclusions are now standard — and most businesses have no idea they exist in their policy.
Carriers have quietly added sublimits and waiting periods to ransomware coverage. Your $2M policy may only cover $250K of a ransomware event — buried in the endorsements.
That's the IBM 2024 data. The gap between what your policy says it covers and what it actually pays can be the difference between recovering and closing your doors.
You signed last year's renewal in 10 minutes. The threat landscape and the policy language both changed. What worked last year may have gaps this year. Nobody checked.
Rhône Risk's cyber policy analysis is the independent stress-test your policy has never had. We find your savings. We close your gaps. We give you a clear picture — in plain English.
Upload your current cyber insurance policy. It takes 2 minutes. We handle everything from there.
Our team evaluates 21 coverage categories against current market benchmarks, flags exclusions, and scores your protection level.
In under 30 minutes you receive a full report with exact savings opportunities, coverage gaps, and a clear recommended action plan.
If you hired a specialist consulting firm to do this, here's what you'd pay:
| What's Included | What This Gets You | Market Value |
|---|---|---|
| 21-Category Coverage Audit | Know exactly what's covered, what's not, and what the sublimits are | $8,000 |
| Premium Benchmarking | See how your rate compares to 500+ similar businesses in the market | $3,500 |
| Exclusion Red-Flag Review | Every clause that could deny your claim — surfaced and explained | $2,500 |
| Gap Identification Report | Ranked list of missing coverage with estimated exposure amounts | $5,000 |
| Incident Response Clause Analysis | Know exactly what happens the moment you report a breach | $2,500 |
| Plain-English Executive Summary | Board-ready, CFO-ready — no jargon, just the facts and the numbers | $1,500 |
| 30-Min Findings Walkthrough Call | Ask every question. Get straight answers from a specialist, not a call center. | $500 |
| Total Value if Purchased Separately | $23,500 | |
Everything above. Results in under 30 minutes. Backed by our guarantee.
These aren't edge cases. This is what a properly structured cyber policy looks like.
“We were paying $180K a year. After the Rhône Risk audit, we renewed at $97K with broader ransomware coverage and no gaps. I wish we'd done this three years ago.”
“The exclusion section alone was worth the fee. We had a nation-state exclusion that would have denied our entire ransomware claim. Fixed before renewal. Problem solved.”
“I thought I had good coverage. Turns out our social engineering sublimit was $50K on a $2M policy. Rhône Risk found it, fixed it. The analysis paid for itself 100x.”
We will identify either meaningful savings on your current premium, or coverage gaps that expose your business to uninsured loss — or your analysis is completely free.
Every analysis costs 1 credit. Plans include monthly credits. Run out early? Top up instantly — no waiting, no plan changes, no surprises.
For businesses who want the truth about their own cyber coverage — without going through a broker.
For MSPs and MSSPs who manage cyber risk across a client portfolio and need to run analyses at scale.
For agencies, MGAs, and high-volume advisors managing large client portfolios at scale.
Top up your credits instantly — no plan changes, no approval needed. Credits are deducted as you use them. Unused Starter and Pro credits expire monthly; Enterprise credits roll over.
All plans include the full 21-category analysis and risk-free guarantee on every credit used. · Credits are non-refundable after use.
Your advisor gets paid to place your policy. Their income goes up when your premium goes up. We get paid to give you the truth. These are fundamentally different incentives — and the results show it.
Then we'll tell you that — and you'll have the documentation to prove it to your board. If we can't find savings or gaps, your analysis is free. You genuinely cannot lose.
We know which carriers have appetite for your risk profile, how to structure the submission to get better terms, and where standard programs leave money on the table. Most brokers place hundreds of policy types. We do one thing.
Yes. We've built a proprietary 21-category evaluation framework and done this for 500+ businesses. We know exactly what to look for. Speed is a feature, not a shortcut.
Just your current cyber insurance policy document. That's it. No questionnaires, no lengthy intake forms. Upload the PDF and we handle the rest.
You'll have a clear picture and a prioritized action plan. Many clients ask us to help implement the changes. There's no obligation — but the opportunity is usually obvious once the report lands.
Years of panels, summits, podcasts, and partnerships inside the cyber insurance industry. All leading to one realization — and one tool to fix it.
Ryan Dunn spent years inside the cyber insurance industry — on panels, at summits, behind the mic on podcasts, and in the rooms where coverage decisions get made. He watched the same pattern repeat everywhere: brokers couldn’t read the policies they were selling, clients couldn’t understand what they were buying, and carriers kept adding exclusions nobody noticed.
The analysis was always manual. Always slow. Always expensive. And always inconsistent. A $2M policy with a buried nation-state exclusion that would deny a ransomware claim? Nobody caught it until claim time. A sublimit that capped ransomware recovery at $250K on a $2M policy? Buried in the endorsements.
Every conference, every panel, every late-night conversation with underwriters and CISOs pointed to the same gap: the industry needed a tool that could stress-test a cyber policy the way a penetration tester stress-tests a network. Fast. Thorough. No conflicts of interest.
“Ryan Dunn is getting it done in the cyber insurance industry and really helping MSPs with their insurance needs! Highly recommend MSPs work with him!”
It was the answer to a question Ryan kept hearing from every direction: “Why doesn’t something like this exist?”
From Cothrom in 2015 to directing insurance at Trava, from recording podcasts with Blue Team Alpha to presenting at The Masters Conference and the International Cyber Risk Summit in DC — every step was building toward this.
A proprietary 21-category evaluation framework. Built by someone who’s read thousands of policies and knows exactly where carriers hide the gaps. Not a chatbot. Not a checklist. A real analysis engine built by an insider.
Every panel. Every summit. Every policy reviewed. Every gap found. Every conversation with a business owner who discovered too late that their coverage had holes. It all led here.
“We’re right on schedule.”
80% of businesses are overpaying or undercovered. The only question is whether you're in the 20% — or leaving money and protection on the table right now.
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