Price Risk Before the Breach, Not After
Invert the cyber insurance model by pricing risk dynamically *before* a multi-million dollar breach happens, rather than just raising premiums after a claim.
Traditional Underwriting
Outdated, point-in-time security paperwork that is already obsolete the moment it is signed.
Trace Dynamic Pricing
Continuous observations ensuring insurance vendors place the right risk on the right premium tier.
Acme Corporation
Policyholder: ACME-4820-INS
- Multi-Factor Authentication (MFA)
- CVE Patch Management (<24h)
- Least-Privilege Access Control
- Continuous Drift Monitoring
Price Risk Before the Breach, Not After
The fundamental flaw in traditional cyber insurance is that it relies on static, annual questionnaires—which is like insuring a driver at low-risk rates and only increasing their premiums after they crash. TRACE completely inverts the cyber insurance model by allowing insurers to price risk dynamically and adjust premiums before a multi-million dollar claim is ever filed.
Replace Static Questionnaires with Real-Time Intelligence
Stop relying on self-reported security posture and point-in-time compliance audits. A policyholder can be fully PCI DSS compliant in January but have critical vulnerabilities by March. TRACE replaces static questionnaires with continuous infrastructure scanning that produces a dynamic, 0–800 TRACE Risk Score, updating in real time as a company's posture changes.
Beyond the Score: A Documented Chain of Custody
A risk score tells you a vendor is exposed. It doesn't tell you what they're contractually obligated to do about it, what evidence exists that they did it, or who's accountable when they don't. TRACE is built around a five-stage lifecycle — Target, Rank, Assess, Contract, Evaluate — that produces an auditable record at every stage: intake documentation, tiering logic, assessment evidence, binding contract language, and offboarding attestations. For underwriters, that means a defensible paper trail behind the number, not just the number.
Built-In AI and Nth-Party Exposure Mapping
AI risk doesn't sit in one stage — it cuts across the entire vendor relationship. TRACE requires disclosure of a vendor's foundation-model dependencies, contractual restrictions on data used for AI training, and human-in-the-loop verification for AI-driven decisions, all mapped through the same lifecycle used for every other vendor risk. It's a native part of the scoring and contracting process, not a bolt-on.
Continuous Configuration Drift Monitoring
The platform instantly detects when a low-risk policyholder drifts toward a high-risk posture. If a vendor experiences a drop in Multi-Factor Authentication (MFA) coverage, leaves critical CVEs unpatched, or unexpectedly expands privileged access, the insurer receives an immediate alert. This gives underwriters the commercial lever to contact the policyholder and demand remediation before an incident occurs.
The Vendor Improvement Loop
TRACE doesn’t just flag bad security; it actively improves the entire vendor ecosystem. When a vendor has a low score, the platform shows them exactly which controls they are failing and how fixing them will impact their insurance rates. Insurers can tell policyholders precisely what to do: "Implementing MFA enforcement and closing the CVE patch gap moves this vendor from Tier 2 to Tier 1 under the TRACE control catalog — with the evidence to support a premium adjustment, not just a score change.".
Clear, Actionable Underwriting Data
TRACE translates complex cyber risk into a structured Decision Feature Vector for underwriters. At a glance, underwriters can see a policyholder's current 0-800 TRACE score, exactly what caused a recent score drop, domain breakdowns, and recommended premium adjustments, making every underwriting decision measurable and auditable.
This is what your underwriting desk could look like.
The console above is an illustrative preview. TRACE stands this up around your actual book of business and the frameworks you report on, with every finding analyst-verified.
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