PRIVACY RISK INSIGHTS PLATFORM
Trusted by leading carriers and brokers
PRIVACY SETTLEMENTS SURGE BEYOND DATA BREACHES 3 YEARS RUNNING
Privacy class action filings surpassed 1,800 cases in 2025 — more than 200% growth since 2022 — driven by tracking pixels, session recorders, biometric collectors, and consent failures that cyber policies now routinely cover. Yet most carriers are still underwriting this exposure blind.
The CyRisk Insight Engine changes that. It performs fresh, outside-in scans at submission time — no credentials, no questionnaires, no cached data — delivering a live view of each organization's wrongful collection exposure and cybersecurity posture before you bind.
Understanding the Privacy and Data Protection Risk Landscape
Legislative and Regulatory Clampdown: Twenty-two states have now enacted comprehensive consumer privacy laws, with Indiana, Kentucky, Rhode Island, and Arkansas among those coming online in 2026. State attorneys general are increasingly active enforcers, and the FTC continues to pursue significant privacy actions — recent settlements include Disney ($10M for COPPA violations), BetterHelp ($7.8M for health data sharing with ad platforms), and GoDaddy (data security failures and privacy misrepresentation). The regulatory environment is no longer theoretical — it is actively generating claims.
Heightened Legal Risks: Privacy class action filings surpassed 1,800 in 2025 — more than 200% growth since 2022 — fueled by state wiretap statutes, CIPA, and biometric privacy laws that carry per-violation statutory damages. The fastest-growing exposure isn't from data breaches. It's from tracking pixels, session recorders, and consent failures that most policyholders don't know they have.
Privacy Liability Coverage
Cyber insurance policies have long centered on data breaches, but wrongful collection has emerged as the dominant driver of third-party privacy claims — and it doesn't require a breach to trigger coverage.
The California Invasion of Privacy Act (CIPA) — originally a 1967 wiretapping statute — is now the legal engine behind roughly 75% of web privacy lawsuits, with plaintiffs successfully arguing that tracking pixels, session replay scripts, chat widgets, and analytics tools constitute unauthorized interception. CIPA cases account for 34% of all third-party cyber liability claims, up from just 7% in 2023. Critically, 69% of 2025 cases involved technologies other than Meta Pixel — meaning ordinary marketing and analytics stacks are the exposure, not just the high-profile tools.
Biometric data collection, geolocation tracking, device fingerprinting, and health data sharing with ad platforms have all generated significant settlements. Any business with a customer-facing website is now a potential target — whether or not it has ever experienced a breach.
Technology and Privacy Mitigating Control Analysis
CyRisk's PRISM engine reads and scores each policyholder's privacy policy against the specific disclosures, opt-out mechanisms, and data sharing practices that regulators and plaintiffs target. Every section is evaluated — from data collection and third-party sharing to children's privacy, cookie statements, and jurisdiction-specific requirements — surfacing gaps before they become claims.
PRISM also evaluates live browser privacy signals, consent manager configurations, and Global Privacy Control (GPC) compliance, giving underwriters a complete picture of whether stated policies match actual data practices.
Privacy Risk Assessment Made Accessible
Key Features and Benefits
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Wrongful Collection Exposure Detection
The Insight Engine evaluates websites, applications, and online services against a continuously expanding library of litigation and case law. It identifies the specific technologies that drive wrongful collection claims: advertising & tracking pixels, session recording scripts, device fingerprinting, geolocation collectors, biometric data practices, children's privacy exposures, data broker relationships, and more — 14 signal categories in total, mapped to the enforcement actions and class actions where they appear.
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Privacy Policy Review
CyRisk's PRISM engine reads and scores privacy policies against regulatory requirements, identifying disclosure gaps, missing opt-out mechanisms, GPC compliance failures, and data sale/sharing practices that create legal liability. Every finding is tied to the specific language — or absence of it — that plaintiffs and regulators target.
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Litigation Similarity & Peril Mapping
Every observation is mapped to a peril category — business interruption, ransomware, data breach, or social engineering — so a single finding reads both as a remediation task and an underwriting signal. The platform also surfaces similar historical privacy and security breach litigation cases based on scan findings, giving underwriters context for how comparable exposures have resolved.
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Seamless Underwriting Integration
CyRisk delivers findings through a full REST API that integrates directly into existing underwriting platforms and workflows — no manual exports, no copy-paste reporting. Configurable rules let you tailor findings, remediation guidance, and risk prioritization to your underwriting guidelines and risk appetite. Reports are generated automatically at scan completion and are ready for broker and policyholder delivery without additional formatting work.
“I'm blown away by the depth of CyRisk's solution. Exceeded expectations”
Executive Vice President, Underwriter
WHY CHOOSE THE CYRISK PRIVACY RISK INSIGHTS PLATFORM?
Expertise in Cybersecurity and Compliance
Innovative and Proactive Approach
Utilizing advanced tools for real-time risk assessment and continuous monitoring.
Trusted Partner
Helping insurers maintain their position as trusted partners with differentiated and valueadding offerings.