Cyber Insurance Wholesale

Cyber Insurance Wholesale for Independent Agents

AI-enabled support for modern digital risk

Cyber risk now touches nearly every commercial account. Businesses depend on digital infrastructure, cloud systems, and connected operations that introduce new operational exposure.

Cyber insurance wholesale placement allows independent agencies to access specialty cyber markets through a dedicated placement partner.

UKON operates exclusively in cyber and technology liability placement. Submissions are evaluated through a cyber specific underwriting lens and aligned with carriers whose appetite matches the exposure.

Agents retain the client relationship while UKON provides market access, underwriting guidance, and placement strategy.

Trusted Across the Cyber Market

These relationships include specialty and admitted carriers whose underwriting appetite is built specifically around cyber exposure.

Each market relationship has developed through consistent cyber placement activity and structured underwriting dialogue.

Our role is not submission routing. Our role is placement strategy.

Carrier approach, risk framing, and coverage structure determine the outcome of a cyber submission. UKON aligns each risk with the carrier environment where the coverage structure best fits the exposure.

UKON maintains direct relationships with more than 50 cyber and technology liability markets.

Across the independent agency channel, most commercial organizations operate with significant digital exposure but limited structured protection against cyber incidents.

UKON refers to this imbalance as the Cyber Protection Gap.

The Cyber Protection Gap is the distance between a company’s real digital exposure and the financial protection designed to respond when a cyber incident occurs.

For agencies this gap creates two realities. Clients require guidance on cyber risk and coverage structure. Producers encounter submissions that require specialist underwriting expertise and market access.

Cyber wholesale placement helps agencies close that gap on individual accounts while maintaining ownership of the client relationship.

80%+

$2.8M

Average uncaptured cyber revenue per agency book

of commercial agency books currently uncovered

The Cyber Protection Gap

The exposure most commercial clients carry

Cyber wholesale placement is often the first way agencies engage with UKON. An agency encounters a cyber exposure that requires specialist placement support and submits the opportunity for execution.

As cyber submissions begin to appear more consistently across the commercial book, many agencies later adopt Cyber Practice Leadership to install operating structure across the portfolio.

UKON’s wholesale capability builds on the foundation of FifthWall Solutions, the first cyber-only wholesale specialist serving the independent agency channel. Today that expertise powers UKON’s placement capability.

Independent agencies submit cyber risks through UKON to access specialist placement strategy, structured coverage analysis, and direct relationships with cyber-focused carriers.

How agencies engage UKON for cyber placement

UKON Wholesale: What We Place

How A Submission Moves

SUBMIT

Applications, loss runs, and security documentation are submitted through UKON.com/submit or through your UKON contact.

UKON reviews the submission, validates intake data, and develops the carrier strategy based on underwriting appetite and the account’s exposure profile.

UKON approaches the appropriate markets, structures the submission narrative, and returns structured quote comparisons with positioning guidance.

UKON coordinates carrier questions, negotiates final terms, and supports the agency through binding and policy servicing.

REVIEW

ENGAGE

BIND

Structured execution from intake to bind

Structured Cyber Placement

Every cyber submission requires more than market access. It requires structured underwriting strategy and clear coverage positioning.

UKON reviews each submission, aligns the risk with the appropriate cyber markets, and returns competitive options with clear coverage analysis.

Agencies use UKON wholesale placement when a cyber submission requires specialist expertise or access to cyber-focused carriers.

As cyber opportunities begin appearing more frequently across the commercial book, many agencies adopt Cyber Practice Leadership to install operating discipline across the portfolio.

Wholesale executes the deal. Cyber Practice Leadership builds the practice.

Protect. Retain. Grow.

PROTECT

Structured workflows and disciplined coverage positioning reduce ambiguity and strengthen the agency’s documentation when advising clients.

Agencies that lead cyber conversations with clarity strengthen client relationships and maintain long term trust.

Cyber becomes a structured revenue stream built on existing client relationships rather than new prospecting.

RETAIN

GROW

Cyber Peace of Mind

Frequently Asked Questions

What information is required to submit a cyber risk?

Typical submissions include named insured information, operational description, revenue range, security controls such as multi factor authentication and endpoint protection, backup procedures, prior cyber incidents, requested limits, and current coverage structure.

Additional information may be required depending on the operational profile of the organization.

How does the commission model work?

We make money when you make money. When your client has the right policy with the right limits and is bound, UKON earns a commission. No upfront cost and no monthly retainer.

How long does a cyber quote typically take?

Standard submissions typically receive initial market feedback within twenty four to forty eight business hours. Complex risks or submissions involving prior claims history may require additional underwriting review.

How is UKON different from a traditional wholesaler?

A traditional wholesaler processes individual submissions and returns quotes. UKON does that inside a larger operating capability that includes book analysis, producer enablement, co-selling, and claims coordination. Agencies can access the wholesale desk for individual accounts and the full practice infrastructure for systematic book-level production.

Can UKON place accounts with prior cyber incidents?

Yes. Prior incidents are evaluated alongside operational context, current security controls, and carrier underwriting appetite. UKON structures the submission with carriers whose underwriting perspective aligns with the risk profile..

What is cyber insurance wholesale placement?

Cyber insurance wholesale placement allows retail insurance agencies to access specialty cyber markets through a licensed surplus lines broker. The wholesale partner manages carrier strategy and market engagement while the agency retains the client relationship.

UKON operates exclusively in cyber and technology liability placement, which allows deeper carrier relationships and specialist underwriting dialogue on every submission.

What happens when a client experiences a cyber incident?

UKON coordinates the response from first notification. This includes triage, connection with incident response partners, claims documentation, and carrier coordination through resolution.

Let's Lead, With Cyber

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