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.
Privacy & media liability
Protection for privacy events, content, advertising, defamation, and related media exposures.
Management & professional liability
Executive risk lines for the same buyer
The executive-risk lines that sit right next to cyber, for the same buyer. Bought together, they form the tower most growth companies carry alongside their cyber program.
Technology E&O + Cyber
Combined errors-and-omissions and cyber for technology firms, including SaaS, MSPs, fintech and healthtech, where a service failure and a security event are the same conversation. Wrap or standalone forms.
Directors & Officers (D&O)
Balance-sheet and personal protection for directors, officers and the company against securities, governance, investor and regulatory exposures. Core for venture-backed and growth companies.
Employment Practices Liability (EPL)
Defense and damages for employment claims, including discrimination, harassment, wrongful termination and retaliation, from employees, applicants and, where available, third parties.
Fiduciary Liability
Protection for those who manage employee benefit plans against ERISA and fiduciary-breach claims. Pairs directly with the benefits program.
Crime & Fidelity, including social engineering
Employee dishonesty, funds-transfer fraud, forgery and social-engineering loss. This coverage sits beside cyber, where funds-transfer and business-email-compromise claims are actually fought.
Broader commercial & benefits
The lines that round out the account
Commercial package
General Liability, Property, Business Interruption, Workers’ Comp, Commercial Auto and Umbrella, coordinated alongside cyber.
Employee benefits
Medical, dental and vision, group life and disability, and voluntary benefits for the people behind the business.
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, the District of Columbia, New Jersey, and Texas, NPN 22254532. Producer Daniel Lanchoney supports all-states/all-lines placement activity as applicable.
