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Tokio Marine Kiln (TMK) has launched its next-generation Cyber Ctrl suite, expanding its cyber insurance coverage. The suite includes new insuring agreements, fewer exclusions, and broader protections. TMK added Professional Ctrl, which combines Technology, Media, and Errors & Omissions (E&O) coverage with cyber risk protection.
Expanded Coverage and New Cyber Policy Protections
The updated Cyber Ctrl suite offers business interruption coverage, including gross earnings loss, extra expenses, and interruptions from IT and non-IT providers. Crime coverage now includes invoice manipulation, funds transfer fraud, social engineering, cryptojacking, and telecom fraud.
“The cyber threat has evolved, and so too must the insurance response,” said Laila Khudairi, TMK’s Head of Cyber & Enterprise Risk. She added that TMK had modernised every aspect of its offering to ensure it meets today’s risks.
Clients also gain coverage for AI risks, such as regulatory proceedings, data contamination, and LLM hijacking. The Professional Ctrl product extends protection to AI services with affirmative Technology Errors and Omissions (E&O) coverage.
Removal of Key Exclusions
TMK removed exclusions for betterment, insolvency, illegal software, management liability, hardware replacement, and price description. These changes align the suite with today’s evolving threat landscape.
Industry Context and Market Role
TMK has written cyber insurance since 2003 and has built expertise through in-house analysts. The company has supported clients through major cyber incidents while refining its risk analytics and mitigation services.
Khudairi noted that the Cyber Ctrl suite represents TMK’s most comprehensive and modern cyber and Technology, Media, and E&O protection, blending insurance coverage with proactive risk management and incident response.
The Cyber Ctrl suite includes:
- Cyber Ctrl: Enhanced cyber insurance with proactive risk management
- Cyber Ctrl PD+: Cyber cover with physical damage protection
- Professional Ctrl: Combined Cyber and Technology, Media, and E&O coverage
- Sector endorsements: Tailored for construction, manufacturing, real estate, technology, and utilities
“As a true lead market, we are committed to offering an unrivalled suite of products,” Khudairi said, highlighting TMK’s role in claims, underwriting, and risk mitigation.
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