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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.

Book a RiskWorld Meeting → See How It Works
First
Insurance-backed
vendor-agnostic program
3-Layer
Governance · Warranty
· Insurance ecosystem
100%
Partner-driven
deployment model
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.

Until Now. The layer that connects security, financial response, and insurance alignment has never existed — as a standalone, vendor-agnostic, insurance-backed product. Breach Warranty is that layer.
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 ✗ ✗ ✓
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 & Carriers

    Cyber-in-a-Box. A Complete Solution for Every Commercial Client.

    Breach Warranty is your door opener to every commercial account in your book. The governance intake validates the cyber environment — then automatically surfaces insurance gaps across five additional lines of business before your first client meeting. Workers comp. E&O. D&O. Business Interruption. EPLI. All from the same data. You place the lines. We did the acquisition work.

    • vCISO governance fills the gap for clients without a security team
    • Warranty layer bridges controls and policy — faster financial response
    • Improves underwriting alignment for hard-to-place risks
    • New revenue from governance and warranty layers, not just premiums
    • Workers Comp, E&O, D&O, Business Interruption, EPLI — all surfaced from the same governance data
    • Perpetual commission splits on all referred lines — you did the acquisition work once

    Explore the Full Account Program →
    The Deployment Model
    • ✓
      Client onboarded — vCISO validates → warranty attached → policy aligned
    • ✓
      Breach occurs — warranty triggers first → fast response → insurance follows
    • ✓
      Renewal — governance data improves underwriting → better terms → you retain the client
    • ✓
      Scales from SMB to enterprise — turn-key across your entire book
    Common Questions

    Everything You Need to Know.

    How is Breach Warranty different from cyber insurance?
    +
    Cyber insurance is a traditional policy that responds after a breach — often with a lengthy claims process, adjusters, and significant waiting periods. Breach Warranty is a first-loss financial layer that responds before the insurance policy is triggered. It's faster, defined by validated breach evidence, and designed to complement your existing policy — not replace it. Think of it as the financial layer that pays while your insurance claim is being processed.
    How does the warranty get triggered?
    +
    The warranty is triggered by validated breach evidence assessed against the defined standards established during environment validation. This removes ambiguity — both sides know exactly what qualifies, which means faster response and no surprises. The validation process up front creates the evidentiary baseline that makes fast response possible.
    Does my client have to use a specific security vendor?
    +
    No. That's the most critical difference between Breach Warranty and every vendor-issued warranty in the market. 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 can still apply to that environment.
    Who underwrites the warranty?
    +
    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.
    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 Cyber-in-a-Box package across their book of business. Contact Tim to discuss the partnership structure and fit.
    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, 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."

    📞
    316-570-1884
    ✉️
    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 at RiskWorld this week or discovering Breach Warranty for the first time — Tim responds personally.

    Let's Talk.

    Reach out directly or use the form. If you'll be at RiskWorld in Philadelphia, book a time to meet in person — 20 minutes is all it takes to understand how Breach Warranty fits your business.

    Tim responds personally, typically within one business day.