Built from a breach.
Shaped by a decade of cyber-only practice.
ABOUT UKON
Since 2016, UKON has written one line of insurance: cyber.
Today, independent agencies and managed service providers across the country rely on UKON to lead cyber coverage for more than 20,000 businesses. One practice, two frameworks. Both supported by a licensed cyber expert, an AI-enabled platform, and access to more than 50 carriers.
Coverage existed. Coordination did not.
The Beginning - 2015
Our founder, Doug Wright, suffered a cyber incident that disrupted his business. There was a policy in place. There were advisors.
When the claim came, what surfaced was a lack of coordination, clarity, and confidence at exactly the moment those things mattered most.
Insurance had been bought. Protection had never been built. That distinction became the company.
The first cyber-only wholesaler
2016-2019
FifthWall Solutions launched as the first cyber-only wholesaler in the country, built for the independent agency channel. Thousands of underwriting conversations later, a pattern was undeniable. Cyber was introduced late, treated as an afterthought, and by the time submissions reached underwriting most opportunities were already lost or poorly positioned.
Cyber distribution had become reactive.
Learning from the MSP ecosystem
2020-2024
As managed service providers grew more influential in how businesses approached security, we went to learn from them. We invested in education, built Lord of the Apps to reduce submission friction, and expanded into Tech E&O. MSPs improve security posture and change claim outcomes, but they do not own the insurance relationship. That stays with the agency.
Cybersecurity and cyber insurance were running in parallel, never in coordination.
The AI platform thesis
2024-2025
With new investment and new leadership, we asked whether technology could be the connective layer between agencies, MSPs, underwriting, and coverage. FifthWall Solutions became UKON. We built the software and expanded partnerships nationally. Technology accelerated workflows and improved efficiency, but it did not change how decisions were made, because insurance runs on trust and that trust lives inside independent agencies.
Software alone could not close the gap.
The Cyber Practice Reset
2025-Present
Every initiative was measured against one question: how are we helping agencies and MSPs distribute cyber? Across the country, the same answer was given. They were not looking for another portal, another rater, or another vendor relationship. They needed capacity.
Access to tools was never the limiting factor.
The Cyber Protection Gap
is an infrastructure problem
WHAT WE FOUND
Four eras, four vantage points, one conclusion: wholesale exposed how reactive cyber distribution had become.
The MSP work revealed how disconnected the risk conversation was across disciplines. Technology showed the limits of efficiency without structure. Agency partnerships made clear that repeatable infrastructure was missing.
Businesses face growing digital exposure. Insurance exists to transfer that risk. Cybersecurity exists to reduce it. What has been missing is the operational framework that connects the two consistently and at scale.
That is not an insurance problem, and it is not a cybersecurity problem. It is an infrastructure problem, and it is the one UKON set out to solve.
WHAT WE BUILT
One practice. Two frameworks.
CYBER PRACTICE LEADERSHIP
is the operating system for independent agencies. Strategic guidance, underwriting expertise, structured workflows, portfolio management, and ongoing leadership support, so cyber becomes a consistent part of the business rather than an ad hoc effort.
VIRTUAL CYBER INSURANCE MANAGEMENT
extends the same model into the MSP ecosystem. Managed service providers bring cyber insurance into their client engagements while the agency relationship stays intact, aligning security investment with financial protection.
Every business deserves to survive a cyber attack
WHAT WE BELIEVE
Every business deserves the ability to survive a cyber attack.
Independent agencies should stay at the center of the insurance relationship, supported by the right tools and expertise.
Cybersecurity and cyber insurance work best aligned, not treated separately.
Technology should sharpen execution, not replace human judgment.
Operational discipline produces better underwriting and more consistent outcomes.
Capacity is what enables growth. Trust is built through reliability over time.
The Cyber Protection Gap can be closed. Not with more marketing or more software, but with better infrastructure.
Cybersecurity practitioners, insurance veterans
UKON is led by operational leaders with experience spanning cybersecurity operations, wholesale insurance, carrier environments, and agency growth.
Matt came to insurance from outside it, which helps visualize cyber as a distribution problem rather than a coverage problem. A New Mexico native who defends his home state's salsa as fiercely as he defends his Texas A&M Aggies, he is usually birdwatching in the Rockies unless there is a thunderstorm, in which case he is home with two dogs who need him more.
Reid Wellock
President & COO
Scott came up through a run of startups, so he builds operational consistency with the same attention most finance leaders reserve for revenue growth. Played college basketball, which shows in how he runs a room. At a company this size, that means wearing several hats at once and putting each one down when it stops being useful.
Scott Kincaid
Chief Financial Officer
Reid is the longest-tenured voice in the FifthWall and UKON story, and the closest thing this company has to a company-wide dad. He will tell you he is an insurance nerd before you have to guess. Pittsburgh raised him, the Steelers and Penguins still own his weekends, and he is at the rink for his own kids most mornings. In a past life, he played in a band in Austin.
Matt Hightower
Chief Executive Officer
LEADERSHIP TEAM
What Is Cyber Insurance
$10T in cybercrime. $20B insured. One gap.
An Educational Guide for Agents, MSPs, and Small Businesses
Trusted Across the Cyber Market
The Cyber Protection Gap
Cybercrime exceeds $10 trillion annually. Over 80 percent of the average commercial book still has no proper cyber coverage.
The reason is not reluctance to buy. Most small and mid-sized businesses understand that cyber risk is real. The reason is infrastructure. Most agencies lack the systems, the producer enablement, and the specialist depth to lead the cyber conversation with every commercial client, consistently, at every renewal.
That gap between what clients face and what they carry is the Cyber Protection Gap, and it lives inside the agency's own book.
In a typical agency of 1,000 commercial accounts, 800 have no cyber coverage. At an average premium of $3,500 per account, that is $2.8 million in uncaptured revenue sitting in your existing book. The opportunity is not in finding new clients. It is already in front of you.
80%+
$2.8M
Average uncaptured cyber revenue per agency book
of commercial agency books currently uncovered
A distribution problem, not a market failure.
CONTACT
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Pittsburgh, PA
Denver, CO
Bogotá, Colombia
