Next-Generation Cyber Risk Transfer

The Breach Warranty
Every EDR Vendor
Wishes They Had.

Every major EDR vendor now offers a breach warranty. Every single one tied to their own platform — their stack only. Breach Warranty is the first insurance-backed, vendor-agnostic financial layer that works across your entire environment. It pays first. Before your cyber insurance ever kicks in.

Start a Conversation → See How It Works
A++
AM Best rated
insurance capacity
3-Layer
Governance · Warranty
· Insurance ecosystem
6
Lines of insurance
from one intake
Cyber Risk Stack
vCISO Governance
Breach Warranty Layer
Cyber Insurance Policy
The Problem

The Gap Between Security
and Insurance Is Growing.

Four converging forces are creating a market that existing solutions can't address.

Cyber Insurance Is Harder to Place

Premiums rising. Exclusions multiplying. Underwriters demanding more evidence of control posture — and still declining or limiting coverage for complex environments.

Vendor Warranties Are Too Narrow

CrowdStrike's warranty only works if you run CrowdStrike. SentinelOne's only covers SentinelOne. Real environments run multiple vendors. No existing warranty covers that.

Claims Are Slow and Uncertain

Traditional insurance claims take months. Adjusters, coverage disputes, and exclusion arguments delay financial response when businesses need it most — immediately after a breach.

Security Posture Doesn't Translate to Pricing

Organizations investing heavily in security controls see little to no benefit in their insurance pricing or placement. The link between good security and financial outcomes is broken.

AI Has Changed the Threat Landscape

New AI models can find and exploit zero-day vulnerabilities in every major operating system autonomously — overnight. Adversarial AI capability is proliferating rapidly. The frequency and severity of breaches is accelerating in ways existing models never predicted.

The Urgency Just Increased. AI-enabled cyberattacks surged 89% in 2025. New AI models can now exploit vulnerabilities in every major operating system autonomously — overnight. The gap between when a breach happens and when anyone pays is becoming the most expensive window in corporate history. Breach Warranty is the first-loss layer that closes it — before your cyber insurance claim is even filed.
The Difference

Not Another Tool. Not Another Policy.

See exactly how Breach Warranty compares to the alternatives.

Feature Vendor Warranties
(Single-vendor · Self-funded · Not insurance)		 Cyber Insurance Breach Warranty ✓
Vendor Agnostic ✗ ✓ ✓
Insurance-Backed ✗ Self-funded ✓ ✓
Works Across Mixed Stacks ✗ ✓ ✓
Pays Before Policy Triggers ✗ ✗ ✓ First-loss
Fast Validated Response Limited ✗ Months ✓
Improves Insurance Placement ✗ — ✓
White-Label / Embeddable ✗ ✗ ✓
Covers AI-Enabled Breach Events Limited Exclusions apply ✓ Validated
The Solution

The Complete Cyber Risk Stack.

Breach Warranty sits at the center of a three-layer model that connects governance, financial protection, and insurance alignment into one deployable solution.

Layer 01
Governance
vCISO · Security Validation

Turn-key security governance for clients without an internal security team. The environment is assessed and validated against defined standards — creating the evidence trail that activates the warranty and supports underwriting.

  • vCISO services
  • Control validation
  • Compliance alignment
  • Evidence documentation
↓
Layer 02
Breach Warranty
First-Loss Financial Layer

An insurance-backed financial layer attached to the validated environment. If a breach occurs, Breach Warranty responds first — before the traditional cyber insurance policy triggers. Faster. Defined. Vendor agnostic.

  • Insurance-backed
  • Vendor agnostic
  • Defined triggers
  • First-loss response
↓
Layer 03
Cyber Insurance
Traditional Policy · Improved Placement

The warranty improves underwriting alignment and supports placement for hard-to-place risks. Carriers get cleaner posture data. Brokers get better outcomes. Clients get coverage that actually reflects their security investment.

  • Improved placement
  • Better pricing alignment
  • Cleaner underwriting data
  • Stronger renewals
Process

Three Steps. One Integrated Layer.

From validation to financial response — a defined, repeatable process.

1
Validate the Environment

Security controls, monitoring, and infrastructure are assessed against defined standards. This creates a verified posture that supports both the warranty and the underwriting process — with no ambiguity.

2
Attach the Warranty Layer

A structured first-loss financial layer is applied to the validated environment. Insurance-backed. Vendor agnostic. Defined triggers. No surprises about when it responds or what qualifies.

3
Align With Insurance

The warranty sits in front of the traditional cyber policy — complementing coverage, improving placement, and enabling faster financial response when a breach occurs. The whole stack works together.

For Partners

Built for the Intersection of Cybersecurity,
Insurance, and Infrastructure.

Breach Warranty is designed for partner-driven deployment across three distinct buyer motions.

For Carriers & Capacity Partners

A Validated Distribution Program for Cyber Warranty Capacity.

Breach Warranty has built the distribution channel the cyber warranty market has been missing — automated environment validation, an MSP channel, and a licensed program administrator. We are seeking primary, excess, and reinsurance capacity partners to scale nationally.

  • Validated environments only — governance intake required before warranty attaches
  • Defined triggers — eliminates claims ambiguity and dispute risk
  • First-loss position — absorbs initial exposure, improves insurance loss ratios
  • SMB diversification — lower severity, high volume, low concentration risk
  • Automated underwriting data — real-time posture scores on every account

Explore a Capacity Partnership →
Year 1 Program Projection
  • ✓
    25 MSP partners onboarded — Year 1
  • ✓
    1,000 validated client environments
  • ✓
    $3.6M gross written premium — base case
  • ✓
    Estimated loss ratio under 35%
  • ✓
    Full program documentation available under NDA
For MSPs & MSSPs

The Warranty Your Clients Have Been Asking For.

Your clients want to know what happens financially when a breach gets through. Your security stack alone can't answer that. Breach Warranty gives you a vendor-agnostic financial layer — and a new recurring revenue stream.

  • Add a first-loss financial layer to every validated client environment
  • Differentiate against single-vendor warranties tied to one platform
  • Create new recurring revenue tied to protection, not just monitoring
  • Support clients navigating cyber insurance requirements
  • White-label available — brand it as your own offering

Talk to Us About the MSP Model →
Your Revenue Opportunity
  • ✓
    New recurring revenue on every validated environment
  • ✓
    Differentiated offering vs. every single-vendor competitor
  • ✓
    Reduced client churn — protection embeds loyalty
  • ✓
    Supports cyber insurance placement for hard-to-place clients
  • ✓
    White-label and co-brand options available
For EDR & Security Vendors

Make Your Warranty Insurance-Backed. Without the Liability.

Your warranty shouldn't live on your balance sheet. Every major EDR vendor is now expected to offer breach warranty coverage — but self-funded warranties create real exposure. Let us underwrite it.

  • Transfer balance sheet warranty risk to an insurance structure
  • White-labeled under your brand — powered by Breach Warranty infrastructure
  • Stack-dependent on your EDR controls — your environment, your standards
  • CFO and legal-friendly structure with defined caps and triggers
  • Differentiate from competitors still self-funding their warranties

Explore the Vendor Partnership →
What You Gain
  • ✓
    Eliminate self-funded warranty balance sheet risk
  • ✓
    Enterprise sales cycles accelerate with insurance backing
  • ✓
    Your brand, your warranty — our infrastructure
  • ✓
    Defined triggers reduce disputes and claim friction
  • ✓
    New partnership revenue model
    • For Brokers & MGAs

    One Validated Account. Six Lines of Insurance. Zero Cold Calls.

    The governance intake validates the cyber environment — then automatically surfaces insurance gaps across six lines of business from the same data. You walk in already knowing what the client needs and what it costs them not to have it. Cyber opens the door. The full commercial account is waiting on the other side.

    • Workers Comp, E&O, D&O, Business Interruption, EPLI — all surfaced automatically from one intake
    • Walk in with dollar-amount gap analysis already completed — not a cold pitch
    • Perpetual commission splits on all referred lines — you did the acquisition work once
    • Pre-qualified, governance-documented accounts — better data than any cold prospect
    • Insurance-backed by A++ AM Best rated capacity — confident placement every time
    • Tim Hepner — VP Sales & Marketing, The 5 Love Languages, Microsoft + Fortune 500 — opens doors most brokers never access
    The Validated Account Program
    Line Split Est./yr
    Cyber Insurance 100% $4,200
    Workers Comp 25–40% $3,825
    E&O / Prof. Liability 25–40% $810
    D&O 25–40% $990
    Business Interruption 25–40% $630
    EPLI 25–40% $540
    Per account / year — $10,995

    100 accounts = $1.1M/yr recurring
    Agency services the lines · Breach Warranty did the acquisition


    Explore the Agency Partnership →
    FAQ

    Common Questions

    Is Breach Warranty vendor agnostic?
    +
    Yes. That's the most critical difference between Breach Warranty and every vendor-issued warranty in the market. Every major EDR vendor's warranty only covers their own platform. Breach Warranty is vendor agnostic — it works across mixed environments, multiple platforms, and complex infrastructure. If your client runs three different security tools across two cloud providers, Breach Warranty covers that environment.
    How is this different from cyber insurance?
    +
    Cyber insurance is a critical layer — but it pays claims, not first-response costs, and typically takes 60–90 days to trigger after a documented breach. Breach Warranty is a first-loss layer that responds immediately when a validated breach event occurs. It works alongside your cyber insurance — not instead of it. The warranty absorbs the initial financial exposure while your cyber insurance claim processes.
    Who backs the warranty financially?
    +
    Breach Warranty works with a dedicated cyber MGA and an A++ AM Best rated insurance carrier to underwrite the first-loss layer. This is what separates it from self-funded vendor warranties — the financial backing comes from a genuine insurance structure, not a vendor's balance sheet. Carrier and MGA details are shared in qualified conversations. Contact Tim directly to start that discussion.
    What triggers a warranty payout?
    +
    Breach Warranty uses defined, documented breach triggers — not ambiguous claims processes. When a validated breach event occurs on a covered environment, the trigger is clear. This removes the disputes, delays, and interpretation gaps that make traditional insurance claims painful. The governance intake establishes the baseline; any deviation from that baseline that results in a documented breach event triggers the warranty.
    How does the governance intake work?
    +
    The governance intake is an environmental assessment conducted before the warranty is attached. It documents your security controls, validates your stack, and establishes a posture score across key control categories — identity and access, endpoint protection, backup and recovery, incident response, and supply chain controls. This validated data is what backs the warranty and provides richer underwriting data than any self-attested questionnaire.
    Is this available to white-label or embed in a partner offering?
    +
    Yes. Breach Warranty is designed for partner-driven deployment. MSPs, MSSPs, cybersecurity platforms, and EDR vendors can all embed or co-brand the warranty layer as part of their own offering. Insurance brokers and MGAs can deploy the full program across their book of business. Contact Tim to discuss the partnership structure and fit.
    How does the rise of AI-enabled attacks affect the warranty?
    +
    AI has fundamentally changed the threat landscape. Models like Anthropic's Mythos can now autonomously discover and exploit zero-day vulnerabilities across every major operating system — meaning breach frequency and severity will accelerate. This makes the gap between breach occurrence and insurance payout more costly than ever. Breach Warranty is specifically designed to close that gap — paying first, on validated breach evidence, before a lengthy insurance claims process begins.
    What is the Validated Account Program?
    +
    The Validated Account Program is the multi-line commercial insurance distribution model built on top of the breach warranty. When a client environment is validated through the governance intake, the same data automatically surfaces insurance gaps across six lines — cyber, workers comp, E&O, D&O, business interruption, and EPLI. Agency partners place the non-cyber lines and earn perpetual commission splits. One validated account generates approximately $10,995 per year across all six lines.
    Tim Hepner, Founder of Breach Warranty
    About
    Licensed Insurance Agent

    Tim Hepner

    Founder & CEO · Breach Warranty Inc. · Licensed Insurance Agent

    Early in his career, Tim was one of the first people to put cybersecurity into public schools in the United States. He was then recruited to help build one of the very first MSSPs — a company acquired by Ross Perot and Perot Systems. Over the following decades he built several cybersecurity companies and assembled what he calls the cyber godfathers — a network of the people who actually built the cybersecurity industry.

    Tim then served as VP of Sales & Marketing for Gary Chapman's organization — the author of The 5 Love Languages, one of the most widely recognized trust-based frameworks in history with 20M+ copies sold. Microsoft was a client. Most of the Fortune 500 were clients. That work confirmed what Tim had learned in cybersecurity: trust is the only currency that matters in a lasting business relationship.

    Through years of work with MSPs at Trusted Associates and Freeman Clarke, Tim watched breach warranty conversations come up constantly — with no clean distribution path and no insurance-backed product to offer. He built Breach Warranty to close that gap. Today he brings a 30-year cyber network, Fortune 500 relationships, and a licensed insurance agent credential to one of the most underserved gaps in the market.

    "Trust is the currency of every lasting business relationship. In cybersecurity, that trust is financial certainty when it matters most."

    📞
    316-347-7771
    ✉️
    tim@breachwarranty.com
    🌐
    breachwarranty.com
    in
    linkedin.com/in/tim-hepner
    📍
    423 E Douglas Ave, Floor 1 · Wichita, KS 67202
    Get In Touch

    Explore the Model or
    Start a Conversation.

    Whether you're an MSP, broker, carrier, or agency principal — Tim responds personally.

    Let's Talk.

    Reach out directly or use the form. Whether you're an MSP, broker, carrier, or agency principal — 20 minutes is all it takes to understand how Breach Warranty fits your business.

    Tim responds personally, typically within one business day.