Covered. Until You File a Claim.

Your bank carries cyber, fidelity bond, and D&O policies. Each one assumes the others cover what it excludes. I read all three together, find the gaps, and show you what to do about them.

20+ years across carriers & insurtechs Cybersecurity background Cross-policy gap framework No broker conflict

Common Coverage Gaps Exposing Your Bank

Wire Fraud

Spoofed email. Fraudulent wire.

Cyber says "not our claim." Bond says "not covered." Nobody pays.

Board Liability

Regulators investigate cybersecurity oversight.

D&O excludes cyber-related claims. Cyber won't cover board defense. Directors face personal exposure.

Security Warranty

Your policy requires MFA everywhere.

Your vendor doesn't support it. Breach happens. Carrier rescinds coverage.

See how cyber, fidelity bond, and D&O collide →

What You Walk Away With

A Risk Intelligence Report that analyzes your cyber policy, fidelity bond, and D&O as one system and shows you exactly where coverage fails.

Which policy responds to each incident type, and which denies
Exclusions, sublimits, and warranty conditions that would block a claim
Vendor contracts that demand coverage your policies do not deliver
Examiner-ready documentation with findings in dollar terms

Learn more about the Risk Intelligence Report →

Also Serving Managed Service Providers

MSPs face a different version of the same problem: policies written for IT support and contracts that promise coverage you do not have. I review those, too.

Learn more about the Risk Intelligence Report →

Joerg Proeve, Founder of Breezy Risk Advisors

Who Is Behind Breezy Risk Advisors

Joerg Proeve spent 20+ years inside the insurance industry, at carriers and insurtechs, where coverage decisions are made. Before that, he worked in cybersecurity.

I don't sell insurance. I audit it. I started Breezy Risk Advisors because the businesses that face the most complex coverage questions are getting the least rigorous answers.

More about my background →