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Cyber ECHO

Access extensive capacity and coverage certainty through Marsh’s unique and proprietary excess facility.
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Up to US$130 million limit

Obtain the necessary financial protection to address even the most significant cyber and technology risk exposures.

Round-the-clock reinstatement

Benefit from continuous support and peace of mind with unique coverage against a separate loss within a given policy year.

Global coverage

Access comprehensive protection worldwide, with capacity admitted in any territory licensed by Lloyd's. Claims are payable directly into these territories, ensuring a hassle-free claims experience.

New for 2025 – Cyber ECHO Encore

Cyber ECHO Encore is an enhancement to Marsh’s Cyber ECHO insurance facility, offering clients up to US$45 million in additional cyber insurance capacity, underwritten by London market insurers outside Lloyd’s. This expansion maintains key features like streamlined underwriting, placement, and claims handling, while also allowing for reinstatement of cover after a loss within an underwriting year. This provides clients with greater flexibility and choice for managing their cyber insurance programs.

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In today's rapidly evolving digital landscape, the need for comprehensive cyber and technology risk insurance has never been more critical. As companies face increasing exposure to cyber events, they require robust coverage and risk transfer solutions. However, obtaining excess coverage can be a complex and challenging journey.

Marsh’s Cyber ECHO facility offers businesses the level of cyber insurance protection and capacity they need, quickly and efficiently. Underwritten by Lloyd’s of London insurers, clients can now access up to US$130 million of capacity to address their most complex cyber and technology risk exposures in any territory licensed by Lloyd’s. As a single facility with only two lead insurers, or three when full capacity is applied, our streamlined placement process and claims mechanism ensure a seamless experience for our clients.

Keeping pace and looking ahead

Many companies now perceive the increasing exposure to cyber events and seek to transfer more of their risk. Marsh Cyber ECHO helps companies access additional insurance capacity and coverage certainty, supporting their journey towards cyber resilience.

Cyber ECHO provides peace of mind through comprehensive financial protection and continuous support worldwide. The result is potentially considerable savings for businesses, as well as unique coverage against multiple losses within a given policy year.

If you would like to learn more about Marsh Cyber ECHO, and how we can support you in your journey towards cyber resilience, please get in touch or contact your local Marsh advisor.

Six scenarios highlighting Cyber ECHO’s potential to help businesses meet their needs for excess cyber insurance.

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A mid-market company purchased a US$10 million cyber/technology errors and omissions (E&O) policy. Soon after, a ransomware event led to a loss of US$10 million. Purchasing ground-up cover post-loss can be challenging — in such instances, insurers may charge a large-loss load or restrict some cover when providing new coverage.

For such situations, Cyber ECHO offers a guaranteed reinstatement option, allowing companies to purchase either a pre-agreed reinstatement or to reinstate their cyber limits post-incident. By allowing companies to reinstate capacity, the Cyber ECHO limit drops down to attach as the primary layer should there be a second loss in the coverage period in excess of the self-insured retention.

The optional reinstatement is offered at pre-agreed rates, providing companies unique protection against a potential separate loss within a given policy year. This can be beneficial when insureds may not yet know all the facts surrounding the first loss and insurers may be cautious about providing a fresh limit in a short timeframe.

A global tech company with annual revenue in the billions of dollars has a relatively high cyber risk exposure. The company was looking to adequately cover its exposure by ensuring access to significant capacity.

Cyber ECHO enables the company to access up to US$100 million of capacity with up to a maximum of two insurers.  The company could also purchase another US$30 million layer in addition to the US$100 million. For companies with considerable exposures, this helps ensure they have sufficient financial protection in their overall cyber resilience efforts.

A company with concerns regarding pricing and its impact on their balance sheet purchased Cyber ECHO coverage of US$100 million.  The company has concerns with the volatility of pricing in the cyber market.

Cyber ECHO offers an additional US$30 million of excess cyber capacity, with guaranteed pricing at a maximum of 90% increased limit factor (ILF). The additional capacity can be purchased during renewal at pre-determinized pricing. Pre-determined pricing can help companies effectively manage costs and reduce financial pressures. The lead insurer has indicated they will always look to be more competitive than this rate.

A multinational company required cyber insurance that was valid globally. The complexity of operating across different countries and regulatory environments can be challenging as each often has its own insurance regulations.

Cyber ECHO is underwritten by Lloyd’s insurers, which are licensed in more than 80 countries. This enables ECHO policyholders to benefit from compliant coverage without the need to secure local policies in those countries in which Lloyd’s is licensed in as an insurer, resulting in a more streamlined claims process.

However, despite Lloyd’s involvement, it cannot settle claims in every country where the multinational operates. Claims can only be paid in countries where Lloyd’s is licensed as an insurer or where non-admitted insurance is permitted or not explicitly prohibited.  Otherwise, Lloyd’s will pay the claim monies to the policyholder that may give rise to potential adverse corporate income tax and corporate finance challenges.

A company was considering Cyber ECHO to adequately cover its exposure.  The company likes the structure of Cyber ECHO, but does not want to disrupt existing relationships with insurers on different layers.

Cyber ECHO can be ventilated, offering separate blocks of capacity from the same lead, up to the total amount of limit that can be deployed per panel. Clients can choose to reinstate just the first ventilated layer if they want, or all of them.

Ventilated layers offer the company more control over the structure and cost of their coverage. Ventilated layers will maintain the same leads making decisions on underwriting and claims, with blind follow capacity sitting behind them.

A company sought greater flexibility in the underwriting of their Cyber ECHO facility.  While the company appreciated the structure of Cyber ECHO for increased capacity, it required an option to use its own market capacity.

Cyber ECHO Encore provides all the benefits of Cyber ECHO while allowing the organization to access coverage outside of territories where Lloyd’s is unlicensed.

Cyber ECHO Encore offers the company enhanced optionality and flexibility in securing excess coverage. The company continues to benefit from significant capacity and reinstatement at the same pre-agreed rates as the original Cyber ECHO.

Why Marsh

As specialists in enterprise risk and in cyber, we can help you take an enterprise-wide approach in building your cyber resilience. Together, we identify your risks, and work with you to develop a program tailored to your circumstances. We inform your approach and decision-making process with our more than 25 years of cyber experience and data-driven insights. By doing so, your path to cyber resilience can be more productive and predictive and your outcomes more efficient and effective.

Contact us

If you would like to learn more about Marsh Cyber ECHO, and how we can support you in your journey towards cyber resilience, please get in touch or contact your local Marsh advisor.

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Our people

Kelly Butler

Cyber Practice Leader, Marsh Specialty

  • United Kingdom

Serena France-Hayhurst

UK Cyber Placement Leader, Cyber Risk

  • United Kingdom

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