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.

What Is a Fractional vCISO? And Does a Credit Union Under $500M Actually Need One?

A fractional vCISO gives credit unions under $500 million the strategic security leadership of a full-time CISO, part-time and at a fraction of the cost. Here is what a vCISO actually does, how it differs from a vCIO, what NCUA examiners expect, what engagements cost, and how to tell if your credit union needs one.
Tempel Steel Data Breach Settlement: Incident Response Lessons for 2026

Tempel Steel confirmed its breach on March 25, 2025. Twenty days later it was named in a class action, and by 2026 it faced up to $175,000 in fees plus multi-year liability, for just 5,192 employee records. Here’s what the settlement teaches financial, healthcare, and education IT leaders about response timelines.
The Biggest 4th of July Breach in History & the Real Cybersecurity Lessons Behind It

The biggest 4th of July breach in history took out an entire invading fleet with a single upload. The twist is that it happened in the 1996 movie Independence Day. The aliens still lost for real reasons though: no network segmentation, blind trust, and an unsigned payload. Those are the lessons worth bringing to your…
Vendor Risk Management for Credit Unions: What the NCUA Expects

Credit unions rely on third-party vendors for services such as digital banking, cloud platforms, payment processing, and fintech solutions. While these partnerships improve efficiency and member experiences, they also introduce cybersecurity, compliance, operational, and reputational risks that require careful oversight. As a result, vendor risk management for credit unions remains a key focus during NCUA…
FortiBleed: 73,000 Fortinet Firewalls Exposed, and What Every Organization Must Do Now

FortiBleed is one of the largest firewall credential leaks ever found: working VPN logins for 73,932 Fortinet firewalls across 21,600 organizations and 194 countries. Strong passwords did not stop it. See what the leak means for your sector and the steps to take in the next 24 hours.
How Ransomware Enters a Credit Union Network

Ransomware rarely breaks into a credit union through the servers. It enters through a person or a weak remote login, then moves laterally in about 29 minutes. This is the real entry chain behind the Akira attacks on Ellafi and MetroWest credit unions, and the controls that stop it.
Penetration Testing Cost: What to Expect in 2026

If you’ve been tasked with budgeting for a penetration test, or justifying the expense to leadership, you’ve probably already discovered that penetration testing cost isn’t as straightforward as a line item on a vendor’s website. Prices vary wildly, scope is rarely apples-to-apples, and the cheapest option is often the most expensive mistake you can make.…
What is a vCISO? Cost, Role, and When to Hire One

When businesses think about cybersecurity leadership, a Chief Information Security Officer (CISO) often comes to mind. However, hiring a full-time CISO may not be practical for every organization. A vCISO provides businesses with experienced cybersecurity services, leadership, strategy, and guidance on a flexible basis without the cost and commitment of a permanent executive hire. A…
2026 Cyber Insurance Requirements

Cyber insurance changed. The questionnaire is now an audit, and the controls you check off are the ones you must prove were running when an attacker got in. Here is what shifted in 2026, why claims get denied over MFA, and what it means for credit unions, healthcare, RIAs, mid-market firms, and schools.
The LLMShare Attack: When a Trusted AI Link Becomes a Malware Delivery Truck

Attackers have found a way to deliver malware through pages hosted on the real ChatGPT and Claude domains, sailing straight past the security checks that trust those sites. The LLMShare attack is the latest evolution of ClickFix, and it matters whether you already run AI tools or are just deciding to.