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Solution · Insurance

Detection for agencies handling the data attackers want.

NAIC Insurance Data Security Model Law alignment, state-specific cybersecurity regulation support, and detection tuned for the threats targeting insurance agencies: wire fraud, client PII theft, and business email compromise.

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The NAIC Insurance Data Security Model Law has now been adopted in approximately 20 states. Compliance is no longer optional in most jurisdictions.

NAIC Government Affairs Brief, August 2025

What Insurance Agencies Face

Insurance agencies sit on premium financial data for thousands of clients: SSNs, banking details, medical histories, beneficiary information. The threat profile is concentrated and increasingly regulated.

Wire Fraud
Premium Payment Diversion
Spoofed payment instructions, intercepted ACH details, modified beneficiary banking. Wire fraud targeting both inbound and outbound flows.
PII
Client Data Exfiltration
Insurance applications contain SSNs, dates of birth, banking details, and medical history. Maximum identity theft value per record.
BEC
Business Email Compromise
Spoofed carrier emails requesting policyholder data 'for review.' Spoofed executive emails authorizing premium refunds. The patterns are specific and detectable.
Producer
Producer Account Takeover
Carrier portal credentials are high-value targets. Compromised producer accounts enable policy modifications, premium diversion, and bulk client data export.
Third Party
Vendor and Carrier Compromise
Comparative raters, AMS platforms, document management vendors. Each is a potential breach vector affecting your clients under your name.
Regulatory
State Notification Requirements
NAIC Model Law requires notification to state commissioners within 72 hours of cybersecurity events. We manage the clock and the filing.
Compliance Frameworks

Insurance agencies operate under federal, NAIC model, and state-specific cybersecurity regulation. Carbynix Fortress includes documentation aligned to all three layers.

NAIC Model Law 668
Insurance Data Security Model Law (~20 state adoptions)
NY DFS 23 NYCRR 500
New York Cybersecurity Regulation, amended November 2023
GLBA Safeguards
Gramm Leach Bliley Act applies to insurance entities
State Breach Laws
All 50 states have breach notification requirements
Carrier Requirements
Major carriers increasingly mandate cybersecurity controls in producer agreements
Cyber Insurance Underwriting
Your own cyber coverage requires documented controls
Why Insurance Agencies Choose Carbynix

Insurance is one of the most regulated and most targeted verticals. We've built coverage specifically for the agency model.

NAIC Model Law Compliance Package
Documentation, evidence collection, and 72-hour notification process built specifically for NAIC Model Law adoption states.
Wire Fraud Detection Tuning
Detection content includes specific patterns for premium payment fraud, beneficiary modification attempts, and ACH instruction manipulation.
Carrier Portal Monitoring
Detection includes monitoring for unusual access patterns to common AMS platforms (Applied Epic, AMS360, EZLynx, HawkSoft, and others) and carrier producer portals.
Producer Agreement Coverage
Many carrier producer agreements now require documented cybersecurity controls. Fortress satisfies most published requirements directly.
Recommended Tier
Fortress for Insurance
$22/endpoint/month

We strongly recommend Fortress for insurance agencies. The NAIC Model Law compliance package, breach warranty, and 72-hour notification support are all critical.

  • $250,000 breach warranty
  • NAIC Model Law 668 compliance package
  • 72-hour state commissioner notification management
  • 10 hours of IR per month
  • 365-day log retention (required for state regulatory inquiries)
  • Wire fraud detection tuning
  • Carrier portal access monitoring
Common Questions
My state hasn't adopted NAIC Model Law. Do I still need this?
Yes. Even in non-adoption states, GLBA Safeguards apply, your own cyber insurance underwriter requires controls, and major carrier producer agreements increasingly require documented cybersecurity programs. The compliance posture matters regardless of state model law adoption.
We're a small agency (under 10 staff). Is this scoped for us?
Yes. The 25-endpoint minimum and $500 per month floor fit most small agencies. Insurance agencies under NAIC Model Law generally have exemptions for very small entities (often under 10 employees and $5M revenue), but the operational risk is the same regardless of regulatory exemption.
Can you help with NY DFS 23 NYCRR 500?
Yes. New York's cybersecurity regulation is one of the most demanding state frameworks. Our compliance documentation includes specific support for 23 NYCRR 500 requirements, including the annual CISO certification, 72-hour notification, and multifactor authentication mandates.
What about cyber insurance underwriting requirements?
Most insurance agency cyber policies now require documented MDR with breach warranty as a condition of coverage. Fortress satisfies the requirement, and the monthly attestation report is built for handing to your insurance broker at renewal.

Built for the data attackers want most.

Schedule a consultation. We'll review your state's regulatory environment, your carrier producer agreements, and scope coverage that satisfies all three.

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