CRC Group has launched Insurisk Cyber, which combines cyber liability, technology errors and omissions (E&O) and miscellaneous professional liability (MPL) coverage in a single policy form.
The company announced the product on Sept. 22. It is sold through CRC's exclusive Insurisk platform and led by paper rated A- or better by AM Best.
The launch targets a problem many retail brokers know well -- technology-driven cients whose cyber, product failure and professional service exposures overlap but are often placed on separate forms, sometimes with different carriers. Insurisk Cyber is designed to simplify that purchase while providing broad protection across all three exposures.
Each of the three coverages responds to a different kind of loss. Cyber liability addresses data breaches, ransomware and network security events. Technology E&O responds when a technology product or service fails to perform and a client suffers financial loss as a result. MPL covers errors in professional services for businesses whose work falls outside traditional professional lines such as law or accounting.
According to Insurisk's online product sheet, the policy is built for insureds with up to $1 billion in revenue, with aggregate limits reaching up to $5 million. A separate $5 million breach response tower sits outside those limits, and social engineering limits go up to $1 million. The minimum premium is $700 and the minimum retention is $1,000.
CRC said the program suits many technology-driven organizations and businesses with complex tech E&O exposures, while maintaining disciplined underwriting standards.
Alex Bonds, president of Insurisk, said the product was built with brokers in mind.
"Cyber threats continue to evolve in both frequency and sophistication, creating new challenges for businesses across nearly every industry. Insurisk Cyber was developed to provide brokers and their clients with a modern solution that combines robust coverage, responsive claims support, and proactive risk management resources. By bringing cyber liability, technology E&O, and professional liability coverage together under one form, we are helping organizations address emerging risks with greater confidence and efficiency," Bonds said.
Alongside the coverage, policyholders receive active threat monitoring at no extra cost, along with discounted access to several cyber risk management tools: secure software development monitoring, ransomware and data theft monitoring, and employee security awareness training and compliance tools.
Shannon Roth, Insurisk's head of financial lines, said the combination of coverage and services is central to the offering.
"Organizations today face increasingly complex cyber and technology exposures. Insurisk Cyber combines broad coverage, specialized underwriting, and proactive risk management resources to help clients navigate the modern threat environment," Roth said.
The product arrives in a buyer-friendly cyber market that may be starting to shift. Ryan Specialty's RT ProExec reported in May 2026 that cyber rates remain flat, with stable capacity and robust carrier competition. It cited a 3.3% average rate decrease in the fourth quarter of 2025 reported by The Council of Insurance Agents & Brokers (CIAB). The same report described the tech E&O market as notably harder than cyber.
Loss experience is also creeping up. National Association of Insurance Commissioners (NAIC) data showed the US cyber insurance loss ratio rose to 48.9% in 2024 from 40.7% the year before. That trend is pushing carriers toward the kind of disciplined, risk-based underwriting that Marsh's outlook on cyber risk investment and the 2026 market described.
For retail brokers, a combined form can reduce gaps and disputes between policies when a single incident triggers more than one coverage. A software outage, for example, could lead to both a data breach and a client claim over failed services. Bundled monitoring services also reflect a broader trend. As IBA's 2026 ranking of top cyber insurance companies in the USA showed, brokers increasingly judge carriers on claims handling and risk support as well as price.
CRC said the launch expands CRC Specialty's underwriting capabilities. It follows a run of Insurisk launches this year, including a middle market property program in June 2026 backed by the same A- or better AM Best-rated paper. Bonds has overseen the platform's growth since joining CRC from Aspen Insurance, as covered when CRC Group appointed Alex Bonds to lead Insurisk property programs.
