Coverage we place
Detailed placement focus
Coverage is matched to the client’s exposure review, contracts, controls, industry, revenue, and external attack surface.
Breach response
Incident response costs, notification, credit monitoring, forensic support, and related crisis services.
Ransomware & extortion
Extortion expense, negotiation support, and reimbursement structures subject to policy terms and law.
Business interruption
Lost income and extra expense from covered cyber events, including dependent business interruption where available.
Regulatory defense
Defense costs and insurable penalties arising from privacy or security proceedings, where permitted.
Social engineering / funds-transfer fraud
Fraudulent instruction, funds-transfer loss, and business email compromise options where markets support them.
Adjacent lines
Tech E&O + Cyber
Combined professional liability and cyber coverage for technology services, products, and platforms.
Privacy & media liability
Protection for privacy events, content, advertising, defamation, and related media exposures.
Directors & Officers (D&O)
Management liability solutions for leadership, governance, investor, and corporate decision-making risk.
Property & Casualty
Core business insurance placements coordinated alongside cyber and technology risk needs.
Life & Health
Benefits and protection placements for organizations and individuals through appropriate licensed channels.
Specialist cyber structures
Parametric cyber
Protected Cell Captives
BEC & misdirected-payments
Ransomware & extortion
Business interruption
Catastrophic / systemic cyber
Large-tower ($100M+) programme design
Some specialty and excess lines are placed through licensed wholesale and E&S partners.
Sternwake Insurance Services, LLC is licensed in Iowa, NPN 22254532. Producer Daniel Lanchoney supports all-states/all-lines placement activity as applicable.
