Tokio Marine Kiln (TMK), a pioneering specialist insurer, announces the launch of its enhanced Cyber Ctrl product suite. This cyber risk solution features new products and wordings, including Professional Ctrl for Technology, Media and Errors & Omissions (E&O), as well as numerous enhancements to TMK’s flagship Cyber product, Cyber Ctrl.
New insuring agreements have been added as standard, and several exclusions have been removed. The products offer pre-emptive, responsive, and adaptive cyber risk management alongside proven incident response capabilities.
TMK's Cyber Ctrl offering
TMK's Cyber Ctrl offering represents the next era of insurance cover, with every aspect scrutinised
TMK brings together more than 20 years’ experience of writing cyber insurance with expertise from the in-house cyber analysts who have tackled some of the world’s most prominent cyber incidents.
TMK's Cyber Ctrl offering represents the next generation of insurance cover, with every aspect scrutinised and refined to ensure it is fit for today's threats.
TMK's broader risk appetite
The new offering will underpin TMK's broader risk appetite across Cyber and Technology, Media and E&O as the business seeks to bring new premium into Lloyd's and cement its status as a lead market.
TMK has continued to scale its offering to clients, expanding its cyber risk mitigation and analytics capabilities. These enhanced services, led by its industry-renowned in-house cyber experts, help clients identify and manage risk to prevent malicious activity.
Enhancements to TMK’s offering
The enhancements to TMK’s offering include:
- Comprehensive business interruption language covering both Gross Earnings Loss and Extra Expense for own-network interruptions as well as IT and Non-IT provider interruptions from security breaches, system failures and voluntary shutdown as standard. No cap on Extra Expenses to get the business up and running. No ambiguity around when the systems are restored; they offer a flat indemnity period without caveats.
- Crime coverage that keeps up with the times, including invoice manipulation, funds transfer fraud, social engineering, cryptojacking and telecommunications phreaking as standard with endorsements available to cover LLM hijacking
- Affirmative Security Upgrade Costs coverage as standard
- Stock Spoilage added to Cyber Ctrl PD+ Property Damage product
- Artificial Intelligence coverages available by endorsement, including AI Regulatory Proceedings cover, Data Contamination, LLM Hijacking and, available through its new Professional Ctrl product; affirmative Technology E&O coverage for AI Services
- Fewer Exclusions: Removal of Betterment, Insolvency and Bankruptcy, Illegal Software, Management Liability, Hardware Replacement, and Price Description.
Comprehensive Cyber Ctrl suite
The comprehensive Cyber Ctrl suite offers cover tailored for a range of sectors’ needs, and comprises:
- Cyber Ctrl: Enhanced cyber insurance with integrated proactive risk management
- Cyber Ctrl PD+: Enhanced cyber insurance with physical damage protection and integrated risk management
- Professional Ctrl: New combined cyber and Technology, Media and E&O coverage under one policy
- Sector-specific endorsements for Construction, Manufacturing, Real Estate; Technology and Utilities
Modern Cyber and Technology, Media and E&O protection
Laila Khudairi, Departmental Head Cyber & Enterprise Risk at TMK, said: "The cyber threat has evolved and so too must the insurance response. Over the past few months, we have modernised every aspect of our offering to ensure that it is fit for today’s cyber risk landscape. Our enhanced Cyber Ctrl suite is the result."
"It represents TMK’s most comprehensive and modern Cyber and Technology, Media and E&O protection, blending expert insurance coverage with proactive risk management, rapid incident response and what our brokers say is the market's pioneering claims service, with nine years of awards for outstanding service and the market’s highest ratings for expertise."
Gracechurch Service Quality Marque
Khudairi added: “As a true lead market, we are committed to offering an unrivalled suite of products, providing expertise at every interaction—from vulnerability scanning and risk mitigation, to underwriting and risk management, through to claims and incident response.”
TMK has been providing cyber insurance since 2003, making it one of the market's longest-established players. The company has received the Gracechurch Service Quality Marque for claims service for nine consecutive years (2017-2025).
TMK is one of only three insurers to have been awarded the Gracechurch Quality Marque for both outstanding Underwriting and Claims service in 2025.
