Cyber Insurance & Gap Coverage
Options For Your Business

A new way to look at cyber insurance coverage options based on definable, measurable metrics for determination of coverage.

TorchLight provides a warranty service that covers the gap between having no cyber insurance coverage or as supplemental coverage to a traditional, high deductible cyber insurance plan. Our solution continuously monitors your network from the inside out for risk, vulnerabilities and potential areas of entry by hackers. And provides feedback from an insurance coverage point of view. We action this data to minimize the probability of denial of claim by the insurance provider. In addition, this warranty will pay out on smaller claims so you won’t have to pay out of pocket or pay more than the claim itself to cover the deductible. Not all endpoints in the network need to be covered, select machines can be covered while other endpoints can be excluded from coverage.

Our Cyber Warranty Options

Protect Plus

• Annual Coverage Up to $100,000

• Instant Fund Access

• Covers Wire/ACH transfer losses

• 1x phishing or smishing payment

• Cyber insurance deductible gap coverage

Protect Premier

• Up to $500,000 claim limit per year

• Instant Fund Access

• Covers Wire/ACH transfer losses

• 3x phishing or smishing payment

• A portion of or all costs related to escalated incident response expenses, data recovery costs and business interruption loss

• A portion or all of the ransom payment to get encrypted data restored

What is a Cyber Warranty?

A Cyber Warranty helps prevent and remediate an incident before it happens. Just like purchasing a car warranty for the inevitable repairs your car will need to continue reliable operation, a Cyber Warranty fills the gap between a Cyber Insurance plan and no insurance whatsoever.

Cyber Attacks Continue to Rise

Malicious cyber attacks continue to increase at over a 50% rate year over year. In 2024, an attack occurs every 43 seconds in the United States.

Cyber Insurance Cost Increases

Our customers routinely see policy price increases of 100% year over year for Cyber Insurance. And there’s no guarantee the claim will be covered.

Inside Out Monitoring

Skip the extensive insurance questionnaires. Our unique approach to Cyber Warranty provides risk monitoring the inside out, to ensure an Always On warranty and Active Loss Prevention monitoring.

Protect Your Business

TorchLight Cyber Warranty provides peace of mind financial coverage, reduced out of pocket expenses and quantifies risk to provide data for accurate decision making.

Reduce Complexity. Increase Productivity.
And Make Your Systems Bulletproof.

Why TorchLight?

At TorchLight, our “why” is simple: we exist to serve our customers and protect them from the relentless threat of hackers. This mission drives everything we do, setting us apart in the Secured and Managed IT landscape.

We foster a culture of candor, transparency, service, proactive communication and a growth mindset, all aimed at supporting our clients’ needs. We seek trusted partnerships with organizations that share our values, prioritizing open dialogue and a win/win mindset.

Together, we ensure that IT security goals are not only met but exceeded, safeguarding business continuity every day. Our people are our greatest asset, unified by our mission to secure and serve our customers and frustrate the hackers.

Latest Insights & Blog

Expert insights on cybersecurity, compliance, and IT strategy.

Your Remote Access Tool Could Be Your Biggest Threat

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Managed IT Services Pricing in 2026: A Complete Guide for Businesses

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271 Bugs in Firefox! What Mozilla’s AI Disclosure Means for Your Security Team

Surfacing 22 new bugs in Firefox 148 was already an outlier. Surfacing 271 in Firefox 150 was something else entirely.
AI Phishing Attacks in 2026: Why Regulated Organizations Are at Risk

Phishing volume and sophistication have surged in 2026, driven by generative AI that lets attackers produce flawless, personalized lures at scale. Traditional email filters and “spot the typo” training can’t keep up.
Why Regulated Businesses Need Managed Security Services (MSSP) in 2026?

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AV vs EDR vs MDR vs ITDR: What Regulated Organizations Actually Need in 2026

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Microsoft Defender vs Traditional Security Tools: What Actually Wins?

Every organization running Microsoft 365 faces the same question eventually: is the security baked into our Microsoft subscription actually protecting us — or are we spending money on tools we’ve already paid for while leaving real gaps open? It’s a fair question. And if you’re in a regulated industry — a credit union, a healthcare…
The AI That’s Too Dangerous to Release (And What It Means for Your Business)

A few weeks ago, Anthropic accidentally left nearly 3,000 unpublished internal files exposed on the public internet, no password required. Among those files was a draft blog post describing what the company called “by far the most powerful AI model we’ve ever developed.”
Google Proposed Device Bound Session Credentials To Prevent Session Theft – Will This Solve The Problem?

Google just rolled out something called Device Bound Session Credentials — DBSC for those who enjoy acronyms. But like most things that arrive wrapped in a press release, it’s worth taking a closer look before you decide whether to applaud or raise an eyebrow.
How to Build an Annual IT Budget: A Practical Guide for Regulated Organizations

Key Takeaways: Introduction: The Stakes of IT Budgeting in 2026 For leadership teams in regulated industries, such as financial services, healthcare, government, or higher education, an IT budget is far more than a spreadsheet of hardware costs. It is a strategic roadmap for risk management and operational continuity. In the 2026 threat landscape, a poorly…