CYBER INSURANCE, UNDERWRITTEN WITH EVIDENCE

Cyber insurance, underwritten with evidence.

Sternwake is an independent brokerage that places cyber coverage for US businesses — pairing every submission with evidence-based underwriting and a mapped compliance posture.

Licensed insurance producer · Iowa (NPN 22254532)

CYBER INSURANCE, UNDERWRITTEN WITH EVIDENCE

Cyber insurance, underwritten with evidence.

Sternwake is an independent brokerage that places cyber coverage for US businesses — pairing every submission with evidence-based underwriting and a mapped compliance posture.

Licensed insurance producer · Iowa (NPN 22254532)

CYBER INSURANCE, UNDERWRITTEN WITH EVIDENCE

Cyber insurance, underwritten with evidence.

Sternwake is an independent brokerage that places cyber coverage for US businesses — pairing every submission with evidence-based underwriting and a mapped compliance posture.

Licensed insurance producer · Iowa (NPN 22254532)

Why now
Why now

The exploit window has collapsed. Cyber cover has to keep pace.

87%

of one-day vulnerabilities an AI agent exploited autonomously — given the public CVE

Fang / Kang et al., 2024

~5 days

median time from disclosure to exploitation — trending toward zero

Mandiant M-Trends 2025

+263%

more CVEs than 2020 — about 130 new every day

CVE / NVD

3,332

record data breaches in 2025 — +79% in five years

ITRC 2025

Frontier and agentic AI now find flaws and write working exploits on their own — faster than enterprises can patch, and the curve gets steeper.

The problem
The problem

Most cyber cover is priced on assumptions.

$4.44M

average breach cost (IBM, 2025)

48,000+

new CVEs each year (NVD, 2025)

10–100×

risk variance across similar profiles

40%+

of claims denied on weak evidence

Buyers don’t know what they own in risk. Boards see a spreadsheet of CVEs — not dollars.

Asset inventory is fragmented

Critical systems, owners and business context are spread across multiple systems.

Sensitive-data classification is noisy

Tools generate large numbers of false positives, especially across unstructured files, folders, documents and PDFs.

Risk decisions lack business context

CVSS scores alone don’t show which exposure could create material loss.

Why Sternwake
Why Sternwake

Cyber coverage starts with better evidence.

Sternwake packages exposure, controls and market context so carriers can underwrite the risk you actually present.

Exposure review

We profile your external attack surface before submission, so underwriters price real risk.

Exposure review

We profile your external attack surface before submission, so underwriters price real risk.

GRC mapping

Controls mapped to NIST CSF, SOC 2, ISO 27001 and HIPAA, packaged into the carrier submission.

GRC mapping

Controls mapped to NIST CSF, SOC 2, ISO 27001 and HIPAA, packaged into the carrier submission.

Carrier-agnostic access

50+ admitted and E&S markets through tier-one wholesale relationships.

Carrier-agnostic access

50+ admitted and E&S markets through tier-one wholesale relationships.

How we work

From intake to ongoing coverage support.

A clear brokerage process that packages evidence for underwriting and keeps coverage aligned as the risk picture changes.

01

Intake

Confirm business profile, current program, contracts and carrier requirements.

02

Review & map

Run an exposure review and map controls to the frameworks carriers ask about.

03

Market

Package the submission and approach fit-for-purpose admitted and E&S markets.

04

Bind

Compare terms, exclusions and evidence requests before binding coverage.

05

Monitor

Keep coverage aligned as controls, vendors and the external attack surface change.

How we work

From intake to ongoing coverage support.

A clear brokerage process that packages evidence for underwriting and keeps coverage aligned as the risk picture changes.

01

Intake

Confirm business profile, current program, contracts and carrier requirements.

02

Review & map

Run an exposure review and map controls to the frameworks carriers ask about.

03

Market

Package the submission and approach fit-for-purpose admitted and E&S markets.

04

Bind

Compare terms, exclusions and evidence requests before binding coverage.

05

Monitor

Keep coverage aligned as controls, vendors and the external attack surface change.

How we work

From intake to ongoing coverage support.

A clear brokerage process that packages evidence for underwriting and keeps coverage aligned as the risk picture changes.

01

Intake

Confirm business profile, current program, contracts and carrier requirements.

02

Review & map

Run an exposure review and map controls to the frameworks carriers ask about.

03

Market

Package the submission and approach fit-for-purpose admitted and E&S markets.

04

Bind

Compare terms, exclusions and evidence requests before binding coverage.

05

Monitor

Keep coverage aligned as controls, vendors and the external attack surface change.

Who benefits
Who benefits

One number, mapped to every seat at the table.

CISO / CIO

Prioritise what truly matters, cut remediation noise, and defend every remediation decision.

CRO / Risk

Quantified risk appetite, cleaner board reporting and regulatory defensibility.

CUO / Head of Cyber

Faster, more accurate pricing, a better hit ratio and a lower combined ratio.

Compliance / DPO

Evidence once, reuse everywhere — audit-ready for NAIC, HIPAA and NYDFS.

Board / Audit committee

Dollar-and-board language, attestation on demand and far fewer surprises.

FAQs
FAQs

Answers to your questions

What does Sternwake do?

What does Sternwake do?

What does Sternwake offer?

What does Sternwake offer?

Are vulnerability details shared with carriers or brokers?

Are vulnerability details shared with carriers or brokers?

Is Sternwake a licensed insurance producer?

Is Sternwake a licensed insurance producer?

Does Sternwake replace security tools?

Does Sternwake replace security tools?

How is Sternwake different from point security or compliance tools?

How is Sternwake different from point security or compliance tools?

Can Sternwake support third-party and vendor risk visibility?

Can Sternwake support third-party and vendor risk visibility?

Which compliance frameworks does Sternwake support?

Which compliance frameworks does Sternwake support?

How can I get started?

How can I get started?

Get started
Get started

Coverage built on evidence, not assumptions.

Get started

Coverage built on evidence, not assumptions.

Sternwake LLC — Johnston, Iowa, United States

Licensed insurance producer · Iowa (NPN 22254532)

©Sternwake All rights reserved.

Independent, cyber-led insurance brokerage.

Sternwake LLC — Johnston, Iowa, United States

Licensed insurance producer · Iowa (NPN 22254532)

©Sternwake All rights reserved.

Independent, cyber-led insurance brokerage.

Sternwake LLC — Johnston, Iowa, United States

Licensed insurance producer · Iowa (NPN 22254532)

©Sternwake All rights reserved.