The cyber insurance comparative rater. One input, multiple quotes, full coverage side-by-side. Cyber isn't standardized — ProWriters' Digital IQ platform makes the differences visible so we can find the right fit.
ProWriters was founded in 2012 in Malvern, Pennsylvania, as a specialty MGA focused on cyber, E&O, D&O, and employment practices liability insurance. Their defining product for Options Insurance is the Digital IQ Comparative Rate Platform — a proprietary cyber insurance rater that allows agents to input client information once and receive quotes from 10+ leading cyber carriers simultaneously, with a side-by-side coverage comparison included with every submission.
The Digital IQ platform matters because cyber insurance is not a standardized product. Unlike homeowners or auto insurance, where policy forms are largely consistent across carriers, cyber policies vary significantly in their definitions, coverage triggers, sublimits, exclusions, and claims processes. A ransomware event covered fully under one carrier's policy may be subject to a sublimit or exclusion under another's. ProWriters' platform makes these differences visible — the quote comparison document shows not just price but coverage terms, allowing Carolyn to present clients with an informed choice rather than just the cheapest option.
Carriers on the Digital IQ platform include Axis, Chubb, Travelers, CFC, Coalition, At-Bay, Tokio Marine HCC, Corvus, and others. The platform launched in 2018 and has expanded continuously. In 2024, Travelers was added — a significant validation of the platform's position in the cyber distribution market. ProWriters also offers E&O, D&O, and EPL products, but cyber via Digital IQ is the primary reason Options Insurance uses them.
Why Carolyn reaches for Digital IQ on every cyber placement.
The core value proposition: input client information once and receive quotes from 10+ cyber carriers simultaneously. The platform generates a coverage comparison document with every submission — showing not just price but coverage terms, definitions, sublimits, and exclusions side by side. For Carolyn, this means she can present clients with a genuinely informed choice about cyber coverage rather than simply picking the cheapest option from a single carrier quote.
This is the most important point about cyber insurance: unlike most commercial lines products, cyber policy forms are proprietary. Coverage for the same event — a ransomware attack, a data breach, social engineering fraud — can vary dramatically from carrier to carrier. One policy might cover business interruption from a cyber event with a 6-hour waiting period; another might require 12 hours. One might include social engineering fraud; another might sublimit it to $25,000. Digital IQ surfaces these differences so clients understand what they're actually buying.
The Digital IQ platform includes the leading names in cyber insurance: Axis, Chubb, Travelers, CFC, Coalition, At-Bay, Tokio Marine HCC, Corvus, and others. These are carriers with dedicated cyber underwriting teams, deep claims experience, and incident response capabilities. Having access to all of them through one submission — rather than shopping each individually — compresses the placement process from hours to minutes.
ProWriters offers higher commissions than traditional wholesale distributors for the same cyber business. For Options Insurance, that means clients benefit from competitive cyber placement and the agency benefits from fair compensation — without the commission compression that traditional wholesale channels often impose on cyber business.
No carrier is perfect. Here are the honest gaps to know before using ProWriters for cyber placements.
ProWriters is a cyber and management liability specialist. They don't write GL, property, workers comp, or most other commercial lines. All other coverage goes through our direct-appointment carriers.
The cyber insurance market has been volatile — prices and availability shift with the threat landscape. ProWriters gives us market access and comparison tools, but underlying market conditions affect every placement.
ProWriters is a specialty distributor. Financial strength depends on the underlying carrier selected from Digital IQ. We confirm carrier financial strength as part of every placement.
Here's when Digital IQ is the right tool for cyber insurance placement.
"I can input the information and receive multiple competitive options with a clear breakdown of the coverage and terms. Cyber isn't a standardized insurance product so the coverage varies between carriers — and Digital IQ makes those differences visible. It's the only way to properly shop cyber for clients."
— Carolyn Todd, Commercial Lines Agent, Options Insurance
Already a ProWriters client through Options Insurance? Here are the resources you need.
ProWriters' proprietary cyber comparative rater. Carolyn uses Digital IQ for every cyber insurance placement — one input, multiple carrier quotes, full coverage comparison document included.
ProWriters' team of cyber experts is available to support agents through complex placements. For most cyber quotes and placements, Carolyn manages the Digital IQ process directly.
ProWriters publishes regular cyber insurance market analysis — carrier reviews, coverage trends, pricing updates. Useful for staying current on which carriers are competitive for specific industries and risk profiles.
ProWriters' analysis of leading cyber carriers — coverage strengths, claims capabilities, and market positioning. A useful reference for understanding how carriers differ before looking at Digital IQ quotes.
Carolyn is Options Insurance's lead commercial lines agent and primary ProWriters placement agent. She uses the Digital IQ platform for every cyber insurance placement — the coverage comparison document lets her present clients with an informed choice, not just the cheapest quote. "Cyber isn't standardized — Digital IQ makes the differences visible."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll run your risk through Digital IQ and find the right cyber coverage.
We'll run your risk through Digital IQ, compare coverage terms across carriers, and present you the best options — not just the cheapest.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with ProWriters as an independent agent. This review is not sponsored, approved, or endorsed by ProWriters. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. ProWriters' Digital IQ platform provides access to multiple cyber insurance carriers. Coverage terms, pricing, and availability vary by carrier and client risk profile. Cyber insurance is not a standardized product — policy forms and coverage terms differ materially between carriers. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.