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.
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.
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How Credit Unions Can Stay Audit-Ready Using Outsourced IT Managed Services
How Credit Unions Can Stay Audit-Ready Using Outsourced IT Managed Services Every credit union leader knows the feeling: an NCUA exam is approaching, and the scramble begins, pulling together logs, chasing down documentation, trying to prove that controls are actually in place. It’s stressful, expensive, and entirely avoidable. The root problem is almost always the…
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Three Days to Patch a 10.0: What The Cisco SD-WAN Vulnerability Says About Every Network in 2026
Two critical ScreenConnect vulnerabilities, including a CVSS 9.0 flaw under active exploitation by nation-state actors, have opened a direct tunnel into the networks of banks, RIAs, and healthcare practices. The federal patch deadline is May 12, 2026. Here’s what to check, what to hunt for, and how to close the door before examiners or attackers…
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Staff Augmentation vs Managed Services: What IT Leaders Need to Know Before Choosing
Not long ago, the answer to an IT gap was simple: hire a contractor, bring in a temp resource, or extend a vendor engagement. Staff augmentation felt flexible, affordable, and fast. For many organizations, it still has a role to play. But the IT environment has changed dramatically. Ransomware attacks are targeting mid-market companies and…
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Your Remote Access Tool Could Be Your Biggest Threat
Two critical ScreenConnect vulnerabilities, including a CVSS 9.0 flaw under active exploitation by nation-state actors, have opened a direct tunnel into the networks of banks, RIAs, and healthcare practices. The federal patch deadline is May 12, 2026. Here’s what to check, what to hunt for, and how to close the door before examiners or attackers…
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Managed IT Services Pricing in 2026: A Complete Guide for Businesses
When businesses start researching managed IT services, one question usually comes first: “How much should managed IT actually cost?” And honestly, the answers online can feel confusing. One provider may quote a few hundred dollars per month, while another charges thousands for seemingly similar services. Some include cybersecurity, backups, and cloud management in their pricing,…
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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.
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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.
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Why Regulated Businesses Need Managed Security Services (MSSP) in 2026?
Executive Summary Managed Security Services Providers (MSSPs) deliver 24/7 threat monitoring, detection, and response capabilities that most organizations can’t build cost-effectively in-house. For regulated industries—credit unions, healthcare providers, government agencies, and wealth management firms—MSSPs have evolved from optional vendors to strategic necessities. This comprehensive guide explains what MSSPs actually do, who needs them, how to…
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AV vs EDR vs MDR vs ITDR: What Regulated Organizations Actually Need in 2026
The Cybersecurity Tool Problem No One Talks About Here’s a conversation that happens more often than it should in boardrooms across financial services, healthcare, and government sectors: “Do we have antivirus?” the executive asks. “Yes,” the IT manager confirms. “Then we’re protected, right?” “…Sort of.” That “sort of” is where data breaches live. That hesitation…
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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…