Tokio Marine Kiln (TMK), a specialist insurer, has launched an updated version of its Cyber Ctrl product suite.
The updated suite incorporates additional standard insuring agreements while removing several prior exclusions, providing a comprehensive approach to cyber risk management with both preventative and responsive measures, supported by established incident response capabilities.
Drawing on more than 20 years of experience in cyber insurance and insights from in-house cyber analysts who have addressed major global incidents, TMK has refined its Cyber Ctrl suite to meet current cyber risk challenges. The launch also supports TMK’s wider strategy in Cyber and Technology, Media, and E&O, as the company aims to attract new premium into Lloyd’s and reinforce its position as a lead market.
The enhanced offering expands TMK’s capabilities in cyber risk mitigation and analytics. Its in-house experts work closely with clients to help identify and manage risks, aiming to prevent cyber incidents before they occur.
The updated Cyber Ctrl suite now provides extensive business interruption coverage for interruptions affecting both a company’s own network and those of IT and non-IT providers. Coverage includes Gross Earnings Loss and Extra Expenses, with no cap on the latter, and a clear indemnity period ensures certainty regarding system restoration.
Crime coverage has also been modernised to address emerging threats, including invoice manipulation, funds transfer fraud, social engineering, cryptojacking, and telecommunications phreaking, with optional extensions for LLM hijacking. Standard coverage now includes affirmative security upgrade costs, and the Cyber Ctrl PD+ product has been extended to cover stock spoilage.
For clients using artificial intelligence services, additional coverage can be added through endorsements, including AI regulatory proceedings, data contamination, and LLM hijacking, along with Technology E&O coverage under the Professional Ctrl product.
The suite also removes several exclusions, such as Betterment, Insolvency and Bankruptcy, Illegal Software, Management Liability, Hardware Replacement, and Price Description, simplifying the policy and broadening coverage.
The Cyber Ctrl suite is designed to meet the needs of a variety of sectors, offering enhanced cyber insurance with integrated risk management, coverage with physical damage protection, and combined cyber and Technology, Media, and E&O policies. Sector-specific endorsements are available for industries including Construction, Manufacturing, Real Estate, Technology, and Utilities.
TMK has been active in the cyber insurance market since 2003. The company has received the Gracechurch Service Quality Marque for claims service for nine consecutive years, from 2017 to 2025, and in 2025 was recognised as one of only three insurers to receive the Marque for excellence in both underwriting and claims service
Laila Khudairi, Departmental Head Cyber & Enterprise Risk at TMK, added: “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 leading claims service, with nine years of awards for outstanding service and the market’s highest ratings for expertise.
“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.”
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