Endorsement Shopping-List Generator
A base cyber policy leaves predictable gaps that endorsements close. Tick what your organisation actually does and get the exact endorsements to ask your broker for — ordered by how material each is for you, and ready to paste into a renewal email. Educational and directional, not insurance advice.
- 1.Social engineering / fraudulent instructionhigh value
Base forms often exclude voluntary transfers induced by fraud — the most common way money leaves the business. Usually the highest-value add-on for anyone who moves funds.
- 2.System-failure business interruptionhigh value
Extends BI to non-malicious outages (config error, hardware, provider failure), not only security failures — most real outages are non-malicious.
- 3.Dependent / contingent BI extension (scheduled providers)high value
Covers income lost when a critical third party goes down. Schedule your key providers or the cover may not apply.
- 4.Cyber-extortion with an adequate sub-limit
Ensure extortion cover exists and the sub-limit is not far below your exposure; check the sanctions and prior-consent conditions.
- 5.Betterment / improvement cost
Base policies pay to restore, not improve — this helps with the upgrade cost that a rebuild usually forces.
What this generator does
- A base cyber policy leaves predictable gaps. The fix is endorsements — named add-ons you ask your broker for — but most buyers don’t know which ones their risk profile demands.
- Tick what your organisation actually does (handles funds transfers, runs OT/hardware, depends on critical SaaS, holds health data, is a consumer brand…) and this generates the exact endorsements to request, with why each one.
- The output is an ordered ask-list you can paste into a broker email — most-material first — not a wall of prose.
- Educational and directional — endorsement names and availability vary by carrier. Confirm wording and cost with your broker. Not insurance advice.
Why this matters
The gap between a cyber policy that pays and one that does not is usually a handful of endorsements — the named add-ons that close the predictable holes in the base form. Buyers who do not know which ones their risk demands tend to accept the standard form, then discover at claim time that funds-transfer fraud was excluded, that business interruption only responded to a security failure, or that a critical vendor was never scheduled.
This generator turns your own risk profile into the specific list of endorsements to request, ordered by how material each is for you, so your renewal conversation starts from a precise ask rather than a hope. Educational and directional — confirm wording, sub-limits and cost with your broker.
Frequently asked questions
What is an endorsement on a cyber insurance policy?
An endorsement is an amendment that adds, removes or modifies coverage on a base policy. Cyber policies are heavily endorsement-driven: the base form covers the common perils, and endorsements tailor it to your specific exposures — adding social-engineering fraud cover, extending business interruption to system failure, scheduling dependent providers, adding bricking or reputational-harm cover, and so on. Because the base form leaves predictable gaps, knowing which endorsements to request is most of the value in the buying process. This tool turns your risk profile into that request list.
Which cyber endorsements actually matter?
It depends on what you do, which is the whole point of profiling. If you move money on instructions, social-engineering / fraudulent-instruction cover is often the single most valuable add-on, because base policies frequently exclude voluntary transfers induced by fraud. If you depend on critical SaaS or cloud, a dependent-BI extension and a system-failure (not security-failure-only) trigger matter enormously. Hardware or OT exposure points to bricking cover; a consumer brand points to reputational-harm / reputational-BI; health or biometric data points to regulatory and wrongful-collection considerations. The generator maps each of these to the named endorsement to ask for.
Will my carrier offer all of these?
Not necessarily, and the names differ between carriers. Endorsement availability, wording and cost vary by insurer, your controls and the market at renewal. The list this tool produces is what to ask about and prioritise, not a guarantee any one is available or affordable for you. Treat it as the agenda for a sharper broker conversation — some requests will be granted, some sub-limited, some declined, and that itself tells you something about the carrier and your controls.
Is this insurance advice?
No. It is an educational tool that maps common risk attributes to the endorsements commonly used to close the matching gaps, so you arrive at the renewal table knowing what to ask for. It does not read your policy, know your carrier’s forms or price anything. Confirm the exact wording, sub-limits and cost of any endorsement with your licensed broker.
This tool is free and always will be. Would a Pro workspace — saved designs, team sharing and exports — be worth paying for?
Show me Pro →No account needed to use this tool — this just tells us whether Pro is worth building out.