Emrys Market provides technologies that analyze clients' cybersecurity risks and vulnerabilities to help insurance companies more accurately price cyber insurance policies. This avoids the problem of "adverse selection," where insurance companies without these insights charge all clients similarly and end up insuring higher-risk clients at a loss. By empowering carriers to price policies rationally based on individual risk assessments, Emrys Market's tools help lower-risk clients obtain cheaper quotes and carriers to profitably insure clients while avoiding losses from underestimating risks. Their current focus is on technologies to analyze cyber and healthcare organizations' risks.

1. Emrys Market
Advantage
Our technologies give
businesses a significant
advantage in the marketplace.

2. Example…
◇ Fact: virtually every insurance company selling “cat”
coverage is guessing. Those who are underwriting
cyber risk are REALLY guessing.
◇ Observation: Most buyers of insurance will buy the
lowest-cost alternative

3. Example…
￭ An insurance company that is guessing is very likely to over-price
their quote. If you truly don’t know your expected claims, you are
going to add a BIG cushion to the premium.
￭ An insurance company empowered with the tools to calculate a
rational premium for this specific client makes a lower quote.
￭ The empowered carrier will get the average or lower-risk client.
◇ A buyer with average or below-average risk asks for quotes:

4. Example…
￭ An insurance company that is guessing is very likely to give them
the same quote.
￭ An insurance company empowered with the tools to calculate a
rational premium for this specific client makes a higher quote.
￭ The guessing carrier will get the higher-risk client.
◇ A buyer with above-average risk asks for quotes:

5. This is Classic “Adverse
Selection”
Adverse Selection + Darwin = a long and
profitable future for the empowered carrier

6. Our Current Focus
◇ Cyber risks
◇ System and informational risks in hospitals
◇ Smart tools to help a company or organization better
understand its vulnerability, most cost efficient ways to
reduce that vulnerability, help an enterprise prepare for
an event, and when it comes – as it will – to manage that
breach to minimize the financial and reputational risk of a
company.