Your Bank Audits Everything. Except Its Insurance.
I audit cyber, D&O, and bond policies for community banks and credit unions. I show you which policies pay during and after a cyber event, which deny, and what to fix.
Five Banks. Five Carriers. Same Coverage Gaps.
Wire fraud: nobody pays.
Coverage topped out at $500K. One bond had a 50% co-payment clause -- the bank would absorb over half the loss.
D&O excludes cyber. The board lands on the cyber policy.
Every D&O carried a cyber exclusion. The board's defense falls to a cyber policy, sharing one limit with forensics and notification.
Vendor goes down. No coverage.
One bank had no vendor outage coverage at all. Others had sublimits as low as $250K, against exposures that run $100K+ per day.
Different carriers, different asset sizes. Every bank I audited had material gaps that would have denied or reduced a claim. None were previously known. The policies were fine individually. Nobody had read them together.
What You Receive
The Risk Intelligence Report reads your cyber, D&O, and bond policies together and tests them against real claim scenarios. Every finding in dollar terms, with the policy language to request at renewal.
Start here Download the Examiner Checklist — ten questions your board should be able to answer. If you can't, that's what the Report is for.