Cyber Insurance & Compliance Advisory
Your cyber insurance renewal just got harder.
Insurance companies are denying coverage, voiding claims, and raising premiums when your security doesn't match what you put on the application. Small businesses get hit hardest — and pay the highest price. We help small and mid-sized businesses meet the requirements, document the proof, and protect the policy — at no charge to you.
Carrier Application
Insurance Readiness
Coverage at Risk
Two-Step Login Enforced
Modern Threat Protection
Backups Tested in Last 6mo
Written Response Plan
Documentation Pack Ready
This is the actual underwriting gap pattern we see across small business
applications — two failures, two partial controls, one win. Each gap raises premium
or risks denial. We close them before you sign.
88%
Of small business breaches involve ransomware
$264K
Average cost of a cyber incident at a small business
31%
Of breach costs come out of pocket — even with insurance
The Shift in 2026
Insurance companies stopped taking your word for it.
Cyber liability is the fastest-changing line of business insurance. Five years ago, carriers asked a handful of questions and issued coverage. Today they audit. They verify. And when something goes wrong, they check whether your security actually matched what you claimed on the application. If it didn't — the claim can be voided.
88%
Of small and mid-sized business breaches involve ransomware
Verizon 2025 DBIR
$264K
Average total cost of a cyber incident at a small business
NetDiligence 2025 Cyber Claims Study
31%
Of breach costs come out of pocket — even with insurance
NetDiligence 2025 Cyber Claims Study
How We Help
Get insured. Get covered. Stop overpaying.
Four practical things we do for small businesses before renewal time — and on an ongoing basis. We don't sell you anything. We help you buy smart.
01 — Compare
Compare your defenses to the application
We walk through your insurance questionnaire line by line and show you exactly
where the gaps are — before you sign anything. No surprises during underwriting.
02 — Source
Find the right protection at fair pricing
Login security, threat monitoring, secure backups, email protection — from 200+
vendors we already work with. We compare options side-by-side so you don't overpay.
03 — Document
Build the proof your insurer wants
Screenshots, reports, and written policies — the documentation that turns a "yes"
on your application into approved coverage. The same pack holds up if you ever have to file.
04 — Negotiate
Push back on premium increases
When you can prove your defenses, many carriers drop premiums at renewal. We help you
make the case in language they recognize — not just IT-speak.
What Your Insurer Wants to See
Ten things between you and a denied claim.
Carriers no longer take your word for it. Every "yes" on the application is now a "prove it" if something goes wrong. Here's what underwriters are actually asking for in 2026 — in plain English.
Two-Step Login Required
A second login step (phone code or app) on every system — not just email.
Modern Threat Protection on Every Device
Software that catches active attacks in real time. Old-school antivirus no longer counts.
Backups You've Actually Tested
Offsite backups that can't be tampered with, restored from on a schedule, and documented.
A Written "What If" Plan
Who calls whom, what to do first, who notifies customers. On paper, not in your head.
Email Protection & Anti-Phishing
Filters that catch fake invoices and scam emails — the #1 way attackers get in.
Secure Network & Remote Access
A locked-down office network and protected remote connections — the way attackers usually get in.
A Software Update Routine
A written rule for how fast you patch critical updates, with proof you're following it.
Annual Staff Training
Yearly training on spotting scams, with completion records and regular practice tests.
Proof Your Vendors Are Secure Too
Insurers now ask about the companies you share data with. We help you verify them.
Documentation Ready to Hand Over
Screenshots, written policies, and reports — the difference between covered and denied.
Our Process
From quote to compliant in 30 days.
A simple three-step engagement. No long contract. No commitment. If we find nothing worth fixing, we'll tell you that.
Step 01 — Review
Free Readiness Assessment
We compare what you have today against your insurer's questionnaire and flag the gaps
that drive premiums up or trigger denials. No-charge, no obligation, 30-minute call.
Step 02 — Source
Side-by-Side Comparisons
We benchmark protection options across 200+ vendors. You see real pricing,
real trade-offs, and pick what fits your business — not what fits a quota.
Step 03 — Document
Build the Proof Pack
Reports, policies, and screenshots — documentation that holds up at renewal time
and at claim time. Same pack works for cyber, business interruption, and E&O.
Why Amplifier One
Built by IT operators. Loyal to clients.
Most technology advisors grew up in telecom sales. Justin Wilson grew up in IT — building infrastructure at Slack, Lookout, Deloitte, and BrewLabs. We sit on your side of the table because your insurance carrier doesn't.
We're not an MSP. Not a reseller.
We're vendor-neutral advisors. No commissions tied to specific brands, no incentive to inflate scope. We tell you what works.
Free to clients, paid by vendors
Same way a mortgage broker is paid by the lender, not the homebuyer. You get full advisory access without writing us a check.
Operator-grade documentation
Our proof packs are built by people who actually ran security programs — not sales engineers. Insurers recognize the difference.
Ongoing — not one-and-done
Cyber insurance applications change every renewal. We stay engaged so you don't have to start over each year.
Our Compensation Model
Vendors pay us when you choose them, not the other way around. You pay nothing.
We have no quotas with any single vendor — if a free option fits, we'll tell you.
Speed to Coverage
Most small businesses can be insurance-ready in 30 days. Critical gaps
(no two-step login, no threat protection) close in days, not weeks.
200+ Vendor Network
We benchmark across the entire market — security tools, email protection, backup,
insurance-aligned MSPs. You see real options, not a single recommendation.
No Lock-In
No contract to engage us. No retainer. If you decide we're not the right fit
after the first call, you walk away with the readiness assessment for free.
Our Model
Our cyber insurance advisory costs you nothing.
We're compensated by the technology suppliers in our network — the same way a mortgage broker is paid by the lender, not the homebuyer. You get a dedicated advisor, full market access, and complete cyber-insurance support at zero out-of-pocket cost.
Common Questions
Cyber insurance, plain English.
The most common questions small business owners ask us about cyber insurance compliance, premiums, and what carriers actually require.
Having a cyber insurance policy and being covered are not the same thing. Insurance
policies are issued based on what you said on the application. If a claim happens and
your actual security controls don't match those answers — for example, you said
"yes" to two-step login but it wasn't enforced everywhere — the carrier can deny
the claim or void the policy entirely. Being insured means having the documented proof
that what you claimed is true. That's what we help with.
Cyber insurance pricing is driven by the broader risk pool, not just your individual
claims history. With ransomware costs climbing and a wave of high-severity payouts,
carriers are repricing the entire market. The good news: you can push premiums back
down by documenting strong controls. Most carriers now offer significant premium
credits for things like enforced two-step login, modern threat protection, and tested
backups — if you can prove they're in place.
Yes — arguably more than enterprises do. The Verizon 2025 Data Breach Investigations
Report found that 88% of small business breaches involve ransomware (vs. 39% for large
enterprises), and the average total cost of a cyber incident at an SMB now exceeds
$264,000. Many small businesses also discover that their cyber insurance covers only
about 69% of the total incident cost on average — meaning 31% comes out of pocket.
The question isn't whether to have coverage. It's whether your coverage will actually pay.
It can — in both directions. Carriers increasingly ask about your third-party vendors
(the companies that touch your data, run your network, host your systems). A switch
during a coverage period without notification can be a problem. A switch to a more
mature provider can actually improve your rating. We help time vendor changes around
your renewal cycle and document the transition so you don't introduce surprises.
We're not a broker. We don't sell the insurance policy — your broker does. We work
on the side that's harder to get right: making sure the security controls you claim on
the application actually exist in your business. Brokers focus on the policy terms.
We focus on the technology. The two roles work well together — we're often brought
in by the broker.
Nothing. The advisory is free to you. We're paid by the technology vendors in our
network when you choose them — the same model as a mortgage broker. You get a
dedicated advisor, the readiness assessment, vendor comparisons, and documentation
support at zero out-of-pocket cost. If you decide to buy nothing through us, you walk
away with the assessment for free.
Sources [1] Verizon, 2025 Data Breach Investigations Report — 88% of small and mid-sized business breaches involved ransomware (vs. 39% at large enterprises).
[2] NetDiligence, 2025 Cyber Claims Study (15th annual, analysis of 10,402 cyber insurance claims from 2020–2024) — average total cost of a cyber incident at a small or mid-sized business: $264,000. SMB cyber insurance covered only 69% of total incident cost on average; the remaining 31% was paid out of pocket.
Get Started Today
Find out what you're missing — before your insurer does.
Request a free 30-minute insurance readiness review. We'll walk through your insurer's questionnaire, flag the gaps, and show you exactly what to fix — at no charge.