Because you're a Cyvatar customer running Sophos MDR, you now qualify for preferred cyber-insurance pricing and terms from leading US carriers — through our partnership with Sophos and Spektrum Labs. Better security. Better insurability. Lower premiums.
Cyber insurance, normally a paperwork nightmare, turned into 11 questions and a few minutes of your time — with carriers competing for your business based on your already-strong security posture.
Most small and mid-sized businesses get cyber-insurance quotes that are either expensive, restrictive, or both — because the insurer can't actually see whether the business's controls work. Cyvatar customers don't have that problem.
With Sophos MDR running 24/7 and Spektrum Labs continuously validating that your controls are operating as expected, the carrier has tamper-proof evidence that you are a better-than-average risk. According to a 2025 Sophos study, organizations running Sophos MDR claim 97.5% less than organizations relying on endpoint protection alone — $75K vs. $3M in average loss. That evidence translates directly into lower premiums, zero incident-response retentions, and broader coverage.
"This is not normal. Hit this link, answer 11 questions, and bam — you get the discount. Because you work with Cyvatar, you get the special hookup."— Jessica Newman, Sophos Cyber Risk Program
Six steps. No questionnaire about firewalls. No screenshots. No back-and-forth.
We send eligible customers a unique application URL. No cold sign-ups, no spam.
Basic information about your business — address, employee count, industry code, prior claims history. About five minutes.
The platform automatically confirms your Sophos MDR is active and configured properly. The data flows in directly — no questionnaires, no screenshots.
Multiple US-accredited carriers compete via API. You see real prices side-by-side, not estimates.
Bring your existing insurance broker into the platform, or we'll pair you with a licensed broker in the Spektrum network. The choice is yours.
Pick the policy that fits, sign, and you're covered.
Built into the Spektrum Labs marketplace. All US-accredited. All offering preferred terms to Sophos MDR customers.
$0 retention on incident-response services for qualifying Sophos MDR customers. Your standard policy deductible still applies to other loss components, but the IR response work starts immediately at no out-of-pocket cost — typically a $10K–$25K savings per event.
20% off premium for Sophos MDR customers. Small-business focused, with proprietary security software that further reduces retentions and waiting periods when paired with Sophos MDR.
Pre-negotiated terms for the Sophos MDR-validated risk pool. A long-standing, highly rated cyber carrier.
The carrier panel is being expanded throughout 2026. Brokered by Acrisure, Limit, and other Spektrum Labs broker partners.
If something does happen, you get more than a payout. You get the entire response operation already in motion.
Your MDR team is already on it before you even know. Most incidents are contained within hours and never become a claim.
If it's a more serious event, Sophos Incident Response takes over the deeper investigation and remediation. Included with your MDR. EDR-agnostic.
Legal counsel, customer notifications, regulatory fines, business interruption, ransomware payments — covered by your policy.
If you're new to cybersecurity (or just tired of the jargon), start here.
Cyber insurance is a policy that pays out when your business gets hit by a cyber incident — things like ransomware, a hacked email account, a stolen laptop full of customer data, or a wire-fraud scam. It covers the cost of investigating what happened, notifying customers, hiring lawyers, restoring systems, paying ransoms in some cases, and defending against lawsuits.
Think of it the same way you think about general liability or property insurance: you hope you never need it, but if you do, the bill is enormous and you want someone else writing the check.
Small and mid-sized businesses are the favorite target of cybercriminals. Big companies have full security teams; small ones often don't. The average ransomware payout for a small business is in the hundreds of thousands of dollars, and the total cost of a breach (including downtime, legal, and lost customers) is usually 5–10x the ransom itself.
Most contracts with enterprise customers, government agencies, and partners now require you to carry cyber insurance. So even if you don't think you need it for risk reasons, you'll likely need it to win business.
MDR stands for Managed Detection and Response. It means a team of security experts (in this case, Sophos) is watching your computers and network 24/7. If something suspicious happens — a hacker tries to log in, malware lands on a laptop, a strange file gets encrypted — the MDR team sees it within minutes and stops it before it spreads.
Insurance carriers love MDR because it dramatically reduces the chance of a small problem becoming a catastrophic one. A 2025 Sophos study found organizations running Sophos MDR claim 97.5% less than organizations relying on endpoint protection alone — that's why carriers offer better pricing to MDR customers.
Spektrum is the technology that sits between your security tools and the insurance companies. It looks at your Sophos MDR setup, confirms it's actually running and configured correctly, and shares that proof with the insurance carriers — so the carriers don't have to take your word for it. That continuous, automated validation is what unlocks the better rates.
It's a bit like a credit score for your cybersecurity: instead of guessing how risky you are, the carrier sees the real data.
A retention (sometimes called a deductible) is what you have to pay out of your own pocket before the insurance kicks in. On a typical cyber policy, retentions are $10,000–$25,000 — sometimes much more for larger companies.
Tokio Marine HCC, one of the carriers on this program, will waive the retention on incident-response (IR) services for Cyvatar customers running Sophos MDR. That means the forensic investigators, breach coaches, and remediation specialists start working on your incident immediately at no out-of-pocket cost to you. Your standard policy retention still applies to other loss components (legal, notification, business interruption, etc.), but the fastest-moving part of the response — the part that determines whether a minor event becomes a major one — is covered from dollar one.
No. You can keep your existing broker — they can simply join the Spektrum platform to access these quotes. If you don't have a broker, or you'd prefer to use one already integrated, Spektrum has a network of licensed brokers (Acrisure, Limit, and others) ready to help.
About five minutes. There are 11 questions covering your business basics — name, address, number of employees, your industry, and whether you've had any prior claims or breaches in the last 36 months. That's it. No security questionnaire — Spektrum pulls all of that from your Sophos MDR automatically.
Three things happen, in order:
1. Sophos contains it. Your MDR team is already on it before you even know. In most cases, the incident is contained within hours and never becomes a claim at all.
2. Sophos Incident Response engages, if needed. If it's a more serious event, the Sophos IR team takes over the deeper investigation and remediation. This is included with your MDR.
3. Your insurance kicks in for the rest. Legal counsel, customer notifications, regulatory fines, business interruption losses, ransomware payments — all the things outside the technical response — are covered by your policy.
The preferred pricing and zero-IR-retention terms are tied to the Sophos MDR + Spektrum Labs validation combination. Because Cyvatar deploys and operates Sophos MDR for you as part of your subscription, you're already eligible — no extra setup, no additional purchases, no separate contract with Sophos.
Talk to us. Cyvatar offers similar pathways for customers running other endpoint platforms (SentinelOne, CrowdStrike, etc.) through our broader broker network. The Sophos-specific pricing benefits won't apply, but cyber insurance access through Cyvatar is available regardless of which security stack you're on.
Most cyber insurance policies renew on January 1 or July 1. If yours is up for renewal in the next 60–90 days, now is the right time to start. Even if you're mid-policy, it's worth getting a quote — many customers see meaningful savings even when switching mid-cycle.
None. Run the application, see your quotes, compare against what you have today. If it's a better deal, bind it. If not, walk away. There's no fee, no commitment, and no impact on your existing Cyvatar service.
Open the Spektrum Labs application, answer 11 questions, get real carrier quotes in minutes. No obligation.
Get My Quote →Available in the U.S. only. Coverage, pricing, and eligibility subject to underwriter approval. Insurance distributed by US-accredited brokers including Acrisure, Limit, and other Spektrum Labs partner brokers.