For cyber insurers

One risk record.From bind to claim.

Connect observed privacy, AI, cyber, and third-party risk to underwriting, portfolio monitoring, loss control, and claims.

Review an insurance workflow

Product evidence

Illustrative Melurna underwriting portfolio showing material findings, evidence readiness, vendor concentration, renewals, and referrals — Underwriting Portfolio

Pre-bindcyber underwriting

Portfolioexposure management

Claimshistorical context

Decision view

The company at claim may not be the company you underwrote.

Preserve how recipient chains, sensitive-data movement, control behavior, and vendor dependencies changed from submission through claim review.

Shared risk recordOne company, four insurance decisions

SubmissionApplicant profile

Recipient chain and control baseline

Underwriting

Policy periodMaterial change

New AI service and downstream recipient

Portfolio

Loss controlAction requested

Owner, remediation, and refreshed evidence

Risk engineering

Claim reviewHistorical context

Observed state before and after the event

Claims

Industry perspective

No one talks about data in this way in the insurance industry. This is really powerful stuff.

Cyber insurance underwriting

Add observed cyber, privacy, AI, and third-party risk to carrier and MGA submission review, triage, referrals, terms, and pricing.

Applicant risk assessment
Referral and terms context
Evidence-backed rationale

Illustrative Melurna underwriting dossier showing journey, AI, disclosure, cross-border, and referral evidence — Underwriting Dossier

Cyber, privacy, and AI risk

Give cyber, privacy, AI governance, and enterprise risk teams a common view of sensitive-data paths, downstream recipients, AI services, and control gaps.

Third-party risk intelligence
Privacy and AI exposure
Control and policy gaps

Illustrative Melurna compliance drift view comparing approved statements with current observed data journeys and material changes — Compliance Drift

Portfolio and loss control

Track material changes, shared vendors, nth-party dependencies, AI adoption, and concentration risk across insureds, then verify remediation over time.

Cyber exposure management
Vendor concentration risk
Verified risk improvement

Illustrative Melurna journey change monitor comparing a current sensitive-data path with the previously observed recipient chain — Journey Change Monitor

Cyber insurance claims

Preserve a time-bounded record of observable data movement, consent behavior, recipients, and policy drift to support claims triage and investigation without asserting legal conclusions.

Pre-incident and post-incident context
Privacy and AI claim context
Historical evidence timeline

Illustrative Melurna remediation verification view showing changed recipients, workflow ownership, and evidence-backed confirmation — Remediation Verification

Data Risk Review

Bring evidence to every insurance decision.

Start with one applicant, insured, vendor relationship, claim, or portfolio.

Review an insurance workflow A limited number of carrier and MGA portfolio briefings are available this month.