When standard markets can't price the risk, we build the structure.
NER Insurtech underwrites cyber risk and special events coverage for large organizations operating in complex, high-severity, or non-standard environments — where conventional insurance frameworks lack the capacity, flexibility, or specificity the situation demands. Every policy is built with the client, not applied to them.
What We Do
NER develops tailored cyber and special events risk structures for organizations whose exposure does not fit cleanly within standard market assumptions. Engagements begin with a deep understanding of the client's operating environment, digital dependencies, and loss mechanics — producing a structure that reflects the actual risk, not a generic approximation.
On the cyber side, this includes organizations facing elevated threats, complex IT/OT environments, and high-severity interruption scenarios. On the events side, this includes high-consequence gatherings where liability, cancellation, and reputational exposure require bespoke treatment.
Lines of Coverage
Bespoke cyber risk structures for organizations whose threat profile, sector, or operational complexity places them outside standard market frameworks. Coverage is built around the actual loss mechanics of the organization — not a generic policy limit applied from the outside.
Coverage for high-profile, high-consequence events that cannot be adequately priced from a template. Each policy is structured around the specific event — its format, audience, venue, vendor chain, and the particular risks that make it unique.
When Standard Markets Say No
Many large organizations are declined by conventional insurers — not because the risk is uninsurable, but because it is too specific, too complex, or too concentrated for a standard framework. These are the situations NER is built for.
Critical Infrastructure Operators
Power grids, water utilities, port authorities, and hospital networks face nation-state-level threats that standard cyber policies explicitly carve out. The severity and correlation are beyond admitted carrier appetite.
Financial Institutions Under Elevated Scrutiny
Banks and fintechs operating across geopolitically sensitive jurisdictions are routinely declined standard cyber coverage. Threat actor profile and regulatory complexity place them outside conventional market appetite.
Defense Contractors & Dual-Use Technology Firms
Organizations handling classified systems or defense-adjacent infrastructure are typically unable to obtain meaningful cyber coverage in the commercial market. We underwrite into that space.
Large-Scale Public Gatherings
Festivals with 100,000+ attendees, international tournaments, and major political conventions carry crowd safety, weather, vendor, and liability exposures that standard event insurers decline or heavily sublimit.
High-Profile Corporate & Diplomatic Events
A global CEO summit, a sovereign wealth fund conference, or a state-level diplomatic gathering — events where reputational and financial stakes are high enough that no insurer will price the risk from a template.
Novel & First-of-Kind Formats
Immersive multi-day experiences or events combining live and global digital participation. If it has no actuarial precedent, no standard market has a rate for it.
Our Approach
Every engagement begins with a detailed review of the organization's operating environment, threat landscape, financial exposure, and internal risk governance. We work directly with leadership, risk, finance, and security stakeholders to map the real contours of the exposure before any structure is proposed.
The resulting policy is not a market template with client details inserted. It is a structure developed for the organization — built to perform in the loss scenarios that actually matter.
Submit a Claim or Contact Us
For active claim notifications, coverage inquiries, or initial engagement requests, use the form below. All submissions are reviewed directly.