The Premium Problem
Cyber insurance premiums have increased 50-100% since 2020. Insurers cannot accurately price risk because they cannot verify policyholder security posture.
The result: higher premiums for everyone, regardless of actual security investment.
Verified Policyholders Should Pay Less
HATS certification provides independently verifiable evidence that a policyholder maintains specific security controls. Not a questionnaire. Not a point-in-time audit. Continuous cryptographic proof.
What Gets Verified
- Multi-factor authentication enforcement
- Endpoint detection and response coverage
- Backup and disaster recovery configuration
- Vulnerability and patch management
- Access control and privilege management
- Encryption in transit and at rest
Each control is attested with three post-quantum signature families — ML-DSA, FALCON, SLH-DSA — and committed to a 74-byte H33-74 primitive.
The Insurer Value Proposition
For the insurer: verified risk means accurate pricing. Lower loss ratios. Better portfolio performance.
For the broker: differentiated quotes for verified clients. Reduced E&O exposure.
For the policyholder: lower premiums, faster renewals, verified HATS badge.
The Reinsurer View
Reinsurers need portfolio-level visibility. The HATS reinsurer demo shows aggregated cryptographic risk verification across the entire book.
HATS Overview · Live Demo · Cyber Insurance Workflows · Trust & Safety · Schedule Demo
Patent pending. SOC 2 Type II. 20,000+ tests.
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