New — Policy Wording Decoder
Policy Wording Decoder
Decode cyber insurance policy wording into visual coverage maps. See exactly which clauses cover which scenarios, find hidden gaps, and calculate residual risk — from four different stakeholder perspectives.
Simulation
This tool is for educational and training purposes only. It does not constitute insurance, legal, or financial advice. Policy wording analysis should be verified by qualified professionals before making coverage decisions.
How It Works
1
Business Model
Enter your company name, industry, annual revenue, and revenue streams to quantify what's at risk.
2
Digital Dependencies
Map the systems and services your business depends on — revenue per hour, recovery time objectives, and criticality ratings.
3
Risk Scenarios
Define threat scenarios — ransomware, data breach, business email compromise — with estimated loss amounts and probability.
4
Controls Assessment
Rate your security controls across NIST CSF categories — identify, protect, detect, respond, and recover.
5
Policy Clauses
Enter your cyber insurance policy clauses — insuring agreements, exclusions, sublimits, deductibles, and waiting periods.
6
Residual Risk Map
See what's covered, partially covered, and excluded. View results from four persona perspectives: Underwriter, Risk Engineer, CISO, and Executive.
Four Perspectives, One Policy
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Underwriter View
Scenario coverage table showing which clauses apply to each threat. Gap chart highlighting uninsured exposure. Ideal for policy comparison and renewal analysis.
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Risk Engineer View
Control effectiveness by NIST CSF category. Scenarios with control gaps. Residual heat map quantifying risk after controls and insurance.
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CISO View
Top uninsured exposures ranked by residual risk. Risk reduction from controls vs. risk transfer from insurance. Clear action priorities.
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Executive View
Kanban board showing covered, partially covered, and excluded scenarios. Executive summary with bottom-line financial impact. Board-ready talking points.
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We'll send you a personalized policy wording analysis with coverage gap breakdown, residual risk calculations, and persona-specific recommendations.
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About This Tool
The Policy Wording Decoder translates complex cyber insurance policy language into clear, visual coverage maps. It maps each policy clause — insuring agreements, exclusions, sublimits, deductibles, and waiting periods — against your actual risk scenarios to reveal what's truly covered and what's left exposed.
Results are presented through four stakeholder lenses: the Underwriter sees a scenario-by-clause coverage matrix; the Risk Engineer sees control effectiveness and gap analysis; the CISO sees uninsured exposures and action priorities; and the Executive gets a board-ready summary with financial impact.
Important: This tool provides an educational simulation for training and analysis purposes only. It does not constitute insurance, legal, or financial advice. Actual coverage is determined by the specific policy contract and should be reviewed by qualified insurance professionals.