Emrys Market AdvantageOur technologies give businesses a significant advantage in the marketplace.

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

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:

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:

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

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.