Service · Cyber Insurance
Most claims aren’t denied.
They’re sub-limited.
The disappointing claims aren’t denied — they’re capped. Ransomware extortion sub-limited at 25-50% of policy. Regulatory fines $1M-$5M. Contingent business interruption 10-25% of BI. Social engineering $250K-$500K. We work with your broker and carrier (Coalition, Beazley, Chubb, Resilience, AT-Bay) to align controls and policy language to your actual loss surface — not just the application form.
Send us your last renewal application + control questionnaire. We’ll come back with the sub-limit gap, the controls that move premium most, and the underwriting-call posture that gets you a better renewal.
Not a licensed insurance producer. We work alongside your broker and carrier — the technical and operational layer of the cyber-insurance relationship, not the policy sale itself.
What we run
Eight components. Every one tied to a carrier-asked-for control.
Carrier-Coordinated Underwriting
We sit on the underwriting call with you and your broker. Pre-built evidence package, technical Q&A handled by us, not your engineers. Carriers we work with regularly: AIG, Beazley, Coalition, Resilience, Travelers, Chubb, Munich Re, Hartford.
Continuous Evidence Package
Refreshed quarterly, not at renewal. SOC, EDR coverage, MFA enforcement, backup posture, IR retainer, training program — all documented in the format carriers actually score against. No scrambling at renewal time.
Policy-Aligned MDR
Our MSSP layer maps controls to the most-asked-for policy provisions: ransomware coverage, BEC/social engineering, contingent business interruption, regulatory defense. We make sure the controls actually meet the policy language, not just the application form.
Renewal Negotiation Support
We translate posture improvements into premium impact. Year-over-year evidence of risk reduction, supported by metrics carriers respect. Brokers love working with us — we make their renewal pitch credible.
Breach Counsel Network
Pre-vetted privileged-counsel firms on retainer. When an incident hits, the first call goes to counsel, second to us. Privilege protected from minute one.
Carrier-Accepted IR Retainer
48-hour engagement start. Hourly rates pre-accepted by major carriers (we're paid as readily as Mandiant or Kroll). Insurance-paid IR is the only IR you should rely on for a serious incident.
Post-Incident Carrier Coordination
After containment: forensic report formatted to carrier requirements, regulator-coordinated notification timelines, vendor invoicing routed correctly through the policy. We've run this at the senior level — no first-time-buyer mistakes.
Sub-limit + Coinsurance Strategy
Most underwhelming claims are caused by sub-limits, not denials. We review your policy for the sub-limits that bite (ransomware extortion, regulatory fines, contingent BI) and align controls + carrier negotiation accordingly.
Carriers
Names your broker
already places business with.
We don’t restrict you to a single carrier panel. The operational posture we run is the same one all of these markets score against.
Why most cyber-insurance relationships disappoint
The application is
not the relationship.
Most claims aren’t denied. They’re sub-limited. Ransomware extortion, regulatory fines, contingent business interruption, social engineering — carrier sub-limits eat the recovery long before any denial rationale comes up. We make sure your controls and your policy match the actual loss surface.
The application is the easy part. Renewals are where premium moves. Year-over-year evidence of measurable risk reduction is what moves a renewal premium 15-30%. We document it in the format underwriters score against, not the format your engineers find convenient.
Brokers prefer working with us because we make their pitch credible. Most accounts are noisy — spreadsheets of half-true questionnaire answers. We give brokers a clean, defensible, continuously-refreshed package. The renewal conversation changes.
When the incident hits, the IR retainer is already pre-accepted. Major carriers pay our IR rates as readily as they pay Mandiant or Kroll. No fight over hourly. No vendor approval delay during the first 48 hours when minutes matter.
Pricing
Bundled inside MSSP.
Or stand-alone.
Inside the partnership: full carrier-coordination program is bundled into the MSSP partnership envelope. No separate line item.
Stand-alone Cyber-Insurance Liaison program: $3K-$10K/month depending on policy size, carrier count, and renewal complexity.
Underwriting-call participation, ad hoc: $5K fixed-fee per call. Includes pre-call posture review, technical Q&A representation, post-call action items.
IR retainer: hour-bank with annual replenishment. Declared-incident hourly $500-$700/hour for senior IR — within market band, insurance-payable.
Six months minimum on the stand-alone program. Schedule directly or call.
Who you’ll work with
Quinnlan Varcoe
CEO and Founder · OSCP · GIAC × 10 · 17 credentials across the practice
Senior incident commander on insurance-paid engagements with the major cyber carriers. The same hands that coordinate underwriting also coordinate the post-incident report.
Every partnership begins with me. Not a sales rep, not an account executive, not a junior. The first call, the diagnostic, the strategy work — that’s mine.
Renewal in the next 90 days?
Schedule a callTrusted by partners across the practice
Reviews
From the senior people
who’ve worked alongside Quinn.
The named companies beside each reviewer are their employers — not Varcoe partnerships. Each quote is a professional reference from someone who’s shipped work alongside Quinn directly.
“The partnership model isn't marketing language with Quinn — it's how she actually works. Senior judgment, single accountable contact, and the rigor to integrate across IT, security, and AI under one roof.”
Aaron Birnbaum
Managing Partner
“Quinnlan brings more than expertise — she brings strategic alignment. The ability to scale operations without sacrificing depth is exactly what serious organizations need from a modernization partner.”
Caroline Lombard
Threat Specialist
“I've worked with Quinnlan on incidents most teams couldn't navigate — Log4j among them. The technical depth and the calm under fire are real, and they're rare.”
Justin Cox
Senior AWS Security Analyst
“One of the most seamless collaborations I've had in this industry. Composure under pressure, technical precision, and the kind of credibility that compounds — exactly the senior bench a modernization partnership needs.”
Soufiane Jihadi
Senior Incident Response Consultant
Original references collected on the legacy Varcoe site · LinkedIn endorsements available on request