Thomas Murray Unveils CyberResponse+ With a Financial Warranty

LONDON – July 28, 2026 -- Thomas Murray Cyber Risk today announced a significant new entry into the cybersecurity market with the launch of CyberResponse+, a subscription service that marries proactive security management with a financial backstop. The new offering integrates continuous exposure monitoring, threat intelligence, and 24/7 incident response into a single package that includes a tiered warranty designed to cap financial losses from security breaches, regulatory fines, and business interruption.

This move aims to address a long-standing disconnect in the industry, where the financial cost of risk has often been divorced from an organization's actual security posture. CyberResponse+ seeks to bridge that gap by directly linking security improvements to tangible financial protection.

"Cyber risk has traditionally been priced without regard to how mature an organisation's defences actually are," said Ioan Peters, Managing Director at Thomas Murray Cyber Risk. "CyberResponse+ gives organisations a clear path to stronger security, and rewards that progress with real financial protection."

The Integrated Cyber Warranty: A New Frontier in Risk Transfer

The centerpiece of the CyberResponse+ offering is its integrated cyber warranty, a mechanism that sets it apart from many traditional cybersecurity solutions. Unlike a standalone cyber insurance policy, which typically involves a point-in-time underwriting process and a reactive claims model, this warranty is intrinsically linked to the ongoing security services provided. As an organization meets defined security maturity milestones within the program, its warranty coverage expands, creating a powerful incentive for continuous improvement.

This model emerges at a critical time for the cyber insurance market, which has been characterized by hardening conditions, including soaring premiums, stricter underwriting requirements, and a growing list of coverage exclusions. Many businesses, particularly small and medium-sized enterprises (SMEs), have found comprehensive coverage increasingly difficult to secure or afford. Thomas Murray's approach offers a potential alternative, positioning the warranty not just as a financial instrument but as the outcome of a robust security partnership.

Industry experts note that while security vendors have offered guarantees before, a warranty that explicitly covers a broad range of financial damages—including regulatory fines and business interruption—represents a more ambitious step. The legal and regulatory framework for such warranties is complex and varies by jurisdiction. Covering regulatory penalties, for instance, is a legally intricate area, as many jurisdictions prohibit insuring against fines for illegal acts to preserve their deterrent effect. The success of this model will depend on a carefully structured legal framework that navigates these challenges, likely focusing on incidents where an organization has demonstrated due diligence through the program.

Simplifying a Fragmented Security Landscape

For many organizations, the cybersecurity landscape is a confusing and expensive patchwork of point solutions. Managing multiple vendors for monitoring, threat intelligence, and incident response creates operational complexity, security gaps, and a heavy administrative burden. CyberResponse+ aims to consolidate these functions under one roof with a single annual fee.

The service is structured across three tiers to accommodate different organizational needs and maturity levels:

• Core: Provides foundational services including basic monitoring, early alerts, and a strategic remediation roadmap.
• Advanced: Builds on the Core tier with continuous scanning, enriched threat intelligence, and formal quarterly security reviews.
• Elite: The top tier, which includes real-time breach detection, a 24/7 SLA-backed incident response team, and access to Thomas Murray's flagship cyber warranty.

This tiered approach allows organizations to enter the program at a level that matches their current capabilities and budget, with a clear path to advance. It also provides a compelling proposition for channel partners and managed service providers seeking to offer more value to their clients.

"We're pleased to make CyberResponse+ available to our partners," said David Whiteley, Director of Channel and Partnerships at Thomas Murray Cyber Risk. "It gives them a distinguished proposition to take to market and an additional layer of value for their clients, helping improve visibility, strengthen resilience, access specialist response support, and benefit from financial protection as their maturity improves."

From Abstract Threat to Quantifiable Business Asset

Perhaps the most strategic element of CyberResponse+ is its foundation in Thomas Murray's long-standing expertise. The parent company, Thomas Murray, has spent more than three decades building a reputation for independent risk assessment and research, primarily within the complex world of global financial services and capital markets infrastructure. This deep experience in quantifying operational and financial risk provides the credibility and methodological rigor behind the new cyber offering.

By establishing "measurable maturity milestones," the service transforms cybersecurity from an abstract technical challenge into a quantifiable business metric. Clients are given board-level dashboards that track progress, visualize risk reduction, and demonstrate a clear return on investment. This shift is crucial for CISOs and IT leaders who need to justify security budgets and communicate risk posture to executives and board members in financial terms.

The service is designed for organizations facing elevated risk or pressure to demonstrate cyber resilience, including those with stringent regulatory requirements, high-value data assets, recent security breaches, or significant third-party supply chain exposure. By providing direct guidance from cyber analysts and incident response engineers, the program helps organizations not only identify weaknesses but actively remediate them.

This approach aligns with the broader industry shift from mere cyber defense to comprehensive cyber resilience—the ability to anticipate, withstand, and recover from attacks. By combining continuous improvement with a financial guarantee, Thomas Murray Cyber Risk is betting that it can help its clients turn cyber risk management from an operational cost into a verifiable competitive advantage. CyberResponse+ is available now for organizations seeking to fortify their defenses and secure their financial future against evolving digital threats.