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Cyber Insurance Specialists

80% of businesses
are overpaying for
cyber insurance

Our clients average 40% in premium savings and 60% more coverage — simultaneously.
Find out where you stand in under 30 minutes.

✓ Risk-free guarantee Results in under 30 minutes Independent. No conflicts. 500+ policies analyzed
80%
of businesses are overpaying for cyber insurance
40%
average premium savings our clients achieve
60%
average increase in coverage our clients get
The Hard Truth

Your cyber policy is probably
not what you think it is

Here are five things most business owners discover too late — usually at claim time.

1

You're likely overpaying

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.

2

Exclusions have multiplied

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.

3

Ransomware coverage is shrinking

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.

4

The average breach costs $4.88M

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.

5

You renewed without reviewing

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.

The Fix

A complete policy audit.
Results in under 30 minutes.

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.

📄

Submit Your Policy

Upload your current cyber insurance policy. It takes 2 minutes. We handle everything from there.

🔬

We Run the Analysis

Our team evaluates 21 coverage categories against current market benchmarks, flags exclusions, and scores your protection level.

📊

You Get the Report

In under 30 minutes you receive a full report with exact savings opportunities, coverage gaps, and a clear recommended action plan.

Everything Included

Here's what you get — and
what it's worth

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

Your Rhône Risk Policy Analysis

Everything above. Results in under 30 minutes. Backed by our guarantee.

$23,500
$25
Starting at — see plans below
Client Results

Real businesses. Real savings.

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.”
MR
Michael R.
CEO, Regional Logistics Company
↓ 46% premium reduction
★★★★★
“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.”
SL
Sarah L.
COO, Healthcare Technology Firm
↑ 70% coverage improvement
★★★★★
“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.”
TK
Tom K.
Owner, Professional Services Firm
Gap closed — $1.95M exposure fixed
🛡️
Our Promise

The “Find It or It's Free” Guarantee

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.

Why we can offer this: 80% of businesses are overpaying, miscovered, or both. In 500+ policy analyses, we have never failed to find significant savings, critical gaps, or both. The guarantee almost never triggers — but knowing it exists means you have nothing to lose by finding out.
Pricing

Pay for what you use. Scale when you need it.

Every analysis costs 1 credit. Plans include monthly credits. Run out early? Top up instantly — no waiting, no plan changes, no surprises.

1
Get Credits Included monthly with your plan
2
Run Analyses 1 credit = 1 full policy scan
3
Need More? Top up instantly at any time
4
Win the Renewal Show findings. Negotiate. Save.
Starter
$49/mo
5 credits / month

For businesses who want the truth about their own cyber coverage — without going through a broker.


  • Upload your policy — results in under 30 min
  • Full 21-category coverage audit
  • Are you overpaying? We'll tell you exactly
  • Exclusion red-flags in plain English
  • Risk quantification — dollar-amount scenarios
  • 5 credits — analyze your policy + renewals
  • Top-up credits: $14 each
Our clients average 40% in premium savings after their first analysis
Enterprise
$249/mo
40 credits / month

For agencies, MGAs, and high-volume advisors managing large client portfolios at scale.


  • Everything in Pro, plus:
  • Credits roll over (up to 80 banked)
  • Unlimited team seats
  • Exclusive insurance product
  • API access for bulk uploads
  • Custom carrier benchmarks
  • Claims concierge
  • Incident response team
  • Save 79% vs. single report
  • Top-up credits: $7 each
40 analyses at $249 = $6.23/analysis. ROI starts at the first finding.

Need more analyses this month?

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.

Starter Top-Up
1 credit$14
3 credits$36
Save $6
5 credits$60
Enterprise Top-Up
5 credits$30
10 credits$60
Most Popular
25 credits$140

All plans include the full 21-category analysis and risk-free guarantee on every credit used.  ·  Credits are non-refundable after use.

Common Questions

Every question. A straight answer.

“Why would I pay for something my current advisor does for free?”

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.

“What if my policy is actually fine?”

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.

“How are you finding savings if my broker already shopped the market?”

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.

“Can you really run a thorough analysis in under 30 minutes?”

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.

“What do I need to provide?”

Just your current cyber insurance policy document. That's it. No questionnaires, no lengthy intake forms. Upload the PDF and we handle the rest.

“What happens after the analysis?”

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.

Our Story

Built from the Inside Out

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 on panel at The Masters Conference
The Masters Conference — panelists from legal, insurance, DFIR, and recovery discuss real-world cyber cases
Ryan at International Cyber Risk Summit, Washington DC
International Cyber Risk Summit — Washington, DC (July 2025)
Demystifying Cybersecurity and Cyber Insurance webinar panel
Demystifying Cybersecurity & Cyber Insurance for SMBs — thought leadership panel
Ryan with the Cothrom team, est. 2015
Cothrom (est. 2015) — where it all started. Early career roots in insurance.
Ryan networking at a cyber insurance industry event
Industry networking — building relationships with the people who shape cyber coverage
Industry partner
Industry partnerships that drive better outcomes
Ryan recording a podcast with Joe Kingland at Blue Team Alpha
Recording with Joe Kingland, CISSP at Blue Team Alpha — knowledge shared, laughs had
Ryan Dunn, Director of Insurance at Trava, with Joe Johnson, President of Ostra Cybersecurity
Cross-industry partnership — Trava × Ostra Cybersecurity
Ryan at a rooftop industry event
Rooftop industry event — the energy behind the work
Jon Murchison, Founder of Blackpoint Cyber, endorsing Ryan Dunn on LinkedIn
Jon Murchison, Founder of Blackpoint Cyber — “Ryan Dunn is getting it done in the cyber insurance industry”

The problem was obvious. The fix didn’t exist yet.

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!”
JM
Jon Murchison
Founder & Executive Chairman, Blackpoint Cyber

RhôneRisk wasn’t a side project.

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.

We’ve been working toward this moment.

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.

Get Started Today

Find out in under 30 minutes.
Or pay nothing.

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.

Start My Policy Analysis →
Results in under 30 minutes
Risk-free guarantee
No obligation after the report
Just upload your policy PDF