Refer the application you can't answer. Get back evidence.
Commercial insurance brokers placing cyber liability coverage for small healthcare, law, and CPA and tax practices are a primary DIAM referral channel. The engagement is straightforward: send the carrier application or the declination letter; DIAM replies within one business day with a scoping note the client can read without translation; the client gets a signed written risk analysis or Written Information Security Plan, a POA&M, and carrier-ready exhibits.
A technical partner for the application your client can't answer.
Carriers denied 41% of cyber applications on first submission in 2025. The denial pattern is nearly always the same across healthcare, law, and CPA books: the application attests to a control that is not actually in place — MFA on every account, immutable backups, a documented incident response plan, a callback procedure before every wire. DIAM produces the written evidence that either supports the attestation or tells the client what to fix first.
- Referral flow
- Send the application or the declination letter. I reply inside one business day with a scoping note the client can read without translation.
- What the client gets
- A signed written risk analysis, a POA&M, and carrier-ready exhibits. Every deliverable is versioned and attorney-reviewable.
- What you get back
- A factual readout on the application gaps, the remediation path, and the timeline. No markup on anything. No referral fee that goes sideways.
- Consult
- Free 30-minute consultations for broker referrals. No obligation, no sales pitch.
Four triggers reliably signal that a practice needs outside help before its next cyber-coverage interaction. A broker who catches any of these 60 to 90 days ahead of the event has the leverage to change the outcome.
- § 04.1
Renewal is 90 or more days out
and the practice has not been assessed against the eight-control spine since the last policy was bound.
- § 04.2
A prior renewal was priced up, sub-limited, or excluded
for control deficiencies, and the broker needs a remediation plan to present at rebind.
- § 04.3
The practice has just received an incident or ransom notice
and needs immediate triage while coverage is still in force.
- § 04.4
The practice is a Texas firm with a mixed client book
and is uncertain which state clocks apply — HIPAA and TDPSA for healthcare, SB 768 for law and CPA firms, the FTC Safeguards Rule for tax preparers.