{"id":264,"date":"2024-12-07T05:44:21","date_gmt":"2024-12-07T05:44:21","guid":{"rendered":"https:\/\/34.85.178.93\/?page_id=264"},"modified":"2026-07-19T05:11:23","modified_gmt":"2026-07-19T05:11:23","slug":"cyber-insurance","status":"publish","type":"page","link":"https:\/\/musasinsurance.com\/?page_id=264","title":{"rendered":"Cyber Insurance"},"content":{"rendered":"\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button fotawp-scrollto-top is-style-button-hover-white-bgcolor\"><a class=\"wp-block-button__link has-foregound-alt-color has-tertiary-background-color has-text-color has-background wp-element-button\" style=\"border-radius:50%\">Scroll to Top<\/a><\/div>\n<\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\/* =========================================================\n   MAS INSURANCE\n   CYBER INSURANCE PAGE\n   ========================================================= *\/\n\n.mas-cyber-insurance-page {\n    --mcy-blue: #006dff;\n    --mcy-blue-dark: #0053c7;\n    --mcy-blue-hover: #0058d9;\n    --mcy-navy: #102a43;\n    --mcy-text: #53657a;\n    --mcy-muted: #76879a;\n    --mcy-light-blue: #eaf3ff;\n    --mcy-soft-blue: #f6f9ff;\n    --mcy-border: #dfe9f5;\n    --mcy-white: #ffffff;\n    --mcy-purple: #7b61ff;\n\n    width: 100%;\n    overflow: hidden;\n    background: #ffffff;\n    color: var(--mcy-navy);\n}\n\n.mas-cyber-insurance-page *,\n.mas-cyber-insurance-page *::before,\n.mas-cyber-insurance-page *::after {\n    box-sizing: border-box;\n}\n\n.mas-cyber-insurance-page a {\n    text-decoration: none;\n}\n\n.mas-cyber-insurance-page img {\n    max-width: 100%;\n}\n\n\n\/* LABELS *\/\n\n.mcy-label {\n    display: inline-flex;\n    align-items: center;\n    gap: 9px;\n    margin-bottom: 22px;\n    padding: 10px 17px;\n    border: 1px solid rgba(0, 109, 255, 0.12);\n    border-radius: 999px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 11px;\n    line-height: 1;\n    font-weight: 750;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mcy-label::before {\n    content: \"\";\n    width: 8px;\n    height: 8px;\n    flex: 0 0 8px;\n    border-radius: 50%;\n    background: var(--mcy-blue);\n    box-shadow: 0 0 0 5px rgba(0, 109, 255, 0.1);\n}\n\n.mcy-label-light {\n    border-color: rgba(255, 255, 255, 0.2);\n    background: rgba(255, 255, 255, 0.11);\n    color: #ffffff;\n}\n\n.mcy-label-light::before {\n    background: #ffffff;\n    box-shadow: 0 0 0 5px rgba(255, 255, 255, 0.12);\n}\n\n\n\/* BUTTONS *\/\n\n.mcy-button {\n    min-height: 58px;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    gap: 11px;\n    padding: 16px 27px;\n    border: 1px solid transparent;\n    border-radius: 14px;\n    font-size: 14px;\n    line-height: 1.2;\n    font-weight: 750;\n    text-align: center;\n    transition:\n        transform 0.25s ease,\n        background-color 0.25s ease,\n        border-color 0.25s ease,\n        color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mcy-button svg {\n    width: 19px;\n    height: 19px;\n    flex: 0 0 19px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 2;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcy-button-primary {\n    background: var(--mcy-blue);\n    color: #ffffff;\n    box-shadow: 0 14px 30px rgba(0, 109, 255, 0.24);\n}\n\n.mcy-button-primary:hover {\n    background: var(--mcy-blue-hover);\n    color: #ffffff;\n    transform: translateY(-3px);\n    box-shadow: 0 19px 38px rgba(0, 109, 255, 0.29);\n}\n\n.mcy-button-secondary {\n    border-color: var(--mcy-border);\n    background: #ffffff;\n    color: var(--mcy-navy);\n    box-shadow: 0 9px 25px rgba(16, 42, 67, 0.07);\n}\n\n.mcy-button-secondary:hover {\n    border-color: rgba(0, 109, 255, 0.3);\n    background: var(--mcy-soft-blue);\n    color: var(--mcy-blue);\n    transform: translateY(-3px);\n}\n\n.mcy-button-white {\n    background: #ffffff;\n    color: var(--mcy-blue);\n    box-shadow: 0 16px 35px rgba(0, 0, 0, 0.12);\n}\n\n.mcy-button-white:hover {\n    color: var(--mcy-blue);\n    transform: translateY(-3px);\n    box-shadow: 0 21px 40px rgba(0, 0, 0, 0.16);\n}\n\n.mcy-button-glass {\n    border-color: rgba(255, 255, 255, 0.24);\n    background: rgba(255, 255, 255, 0.09);\n    color: #ffffff;\n}\n\n.mcy-button-glass:hover {\n    background: rgba(255, 255, 255, 0.16);\n    color: #ffffff;\n    transform: translateY(-3px);\n}\n\n\n\/* HERO *\/\n\n.mcy-hero {\n    position: relative;\n    padding: 100px 30px 92px;\n    background:\n        radial-gradient(\n            circle at 91% 8%,\n            rgba(123, 97, 255, 0.13),\n            transparent 28%\n        ),\n        radial-gradient(\n            circle at 80% 40%,\n            rgba(0, 109, 255, 0.08),\n            transparent 32%\n        ),\n        linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);\n}\n\n.mcy-hero::before {\n    content: \"\";\n    position: absolute;\n    top: -270px;\n    right: -200px;\n    width: 650px;\n    height: 650px;\n    border: 1px solid rgba(0, 109, 255, 0.07);\n    border-radius: 50%;\n    pointer-events: none;\n}\n\n.mcy-hero::after {\n    content: \"\";\n    position: absolute;\n    bottom: 65px;\n    left: -170px;\n    width: 360px;\n    height: 360px;\n    border-radius: 50%;\n    background: radial-gradient(\n        circle,\n        rgba(123, 97, 255, 0.06),\n        transparent 69%\n    );\n    pointer-events: none;\n}\n\n.mcy-hero-container {\n    position: relative;\n    z-index: 2;\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 0.94fr) minmax(500px, 1.06fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcy-hero-content h1 {\n    max-width: 790px;\n    margin: 0 0 25px;\n    color: var(--mcy-navy);\n    font-size: clamp(52px, 5.3vw, 76px);\n    line-height: 0.99;\n    font-weight: 830;\n    letter-spacing: -0.055em;\n}\n\n.mcy-hero-content h1 span {\n    display: block;\n    color: var(--mcy-blue);\n}\n\n.mcy-hero-content > p {\n    max-width: 680px;\n    margin: 0 0 34px;\n    color: var(--mcy-text);\n    font-size: 19px;\n    line-height: 1.75;\n}\n\n.mcy-hero-buttons {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 14px;\n    margin-bottom: 31px;\n}\n\n.mcy-hero-trust {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 13px 22px;\n}\n\n.mcy-hero-trust span {\n    display: flex;\n    align-items: center;\n    gap: 8px;\n    color: #617286;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mcy-hero-trust i {\n    width: 22px;\n    height: 22px;\n    display: grid;\n    flex: 0 0 22px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 12px;\n    font-style: normal;\n    font-weight: 800;\n}\n\n\n\/* HERO VISUAL *\/\n\n.mcy-hero-visual {\n    position: relative;\n    min-height: 590px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n}\n\n.mcy-hero-shape {\n    position: absolute;\n    width: 84%;\n    aspect-ratio: 1;\n    border-radius: 42% 58% 61% 39% \/ 47% 40% 60% 53%;\n    background:\n        linear-gradient(\n            145deg,\n            rgba(123, 97, 255, 0.16),\n            rgba(0, 109, 255, 0.08)\n        );\n    transform: rotate(-4deg);\n}\n\n.mcy-hero-shape::before {\n    content: \"\";\n    position: absolute;\n    inset: 30px;\n    border: 1px solid rgba(123, 97, 255, 0.13);\n    border-radius: inherit;\n}\n\n.mcy-hero-image {\n    position: relative;\n    z-index: 2;\n    display: block;\n    width: 102%;\n    max-width: 700px;\n    height: auto;\n    object-fit: contain;\n    filter: drop-shadow(0 38px 31px rgba(66, 51, 130, 0.18));\n    transition: transform 0.45s ease;\n}\n\n.mcy-hero-visual:hover .mcy-hero-image {\n    transform: translateY(-7px);\n}\n\n\n\/* FLOATING HERO CARDS *\/\n\n.mcy-floating-card {\n    position: absolute;\n    z-index: 4;\n    min-width: 225px;\n    display: flex;\n    align-items: center;\n    gap: 11px;\n    padding: 15px 17px;\n    border: 1px solid rgba(255, 255, 255, 0.85);\n    border-radius: 17px;\n    background: rgba(255, 255, 255, 0.9);\n    box-shadow: 0 20px 45px rgba(16, 42, 67, 0.13);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n    animation: mcyFloat 5s ease-in-out infinite;\n}\n\n.mcy-floating-card small {\n    display: block;\n    margin-bottom: 3px;\n    color: #7c8b9d;\n    font-size: 9px;\n    font-weight: 700;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n}\n\n.mcy-floating-card span:last-child {\n    color: var(--mcy-navy);\n    font-size: 12px;\n    line-height: 1.35;\n    font-weight: 750;\n}\n\n.mcy-floating-icon {\n    width: 43px;\n    height: 43px;\n    display: grid;\n    flex: 0 0 43px;\n    place-items: center;\n    border-radius: 12px;\n    background:\n        linear-gradient(\n            145deg,\n            var(--mcy-light-blue),\n            #f1edff\n        );\n    color: var(--mcy-blue);\n    font-size: 10px;\n    font-weight: 850;\n}\n\n.mcy-floating-icon svg {\n    width: 22px;\n    height: 22px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcy-floating-top {\n    top: 65px;\n    left: -20px;\n}\n\n.mcy-floating-bottom {\n    right: -10px;\n    bottom: 67px;\n    animation-delay: 1.8s;\n}\n\n@keyframes mcyFloat {\n    0%,\n    100% {\n        transform: translateY(0);\n    }\n\n    50% {\n        transform: translateY(-9px);\n    }\n}\n\n\n\/* BENEFIT BAR *\/\n\n.mcy-benefits {\n    padding: 0 30px 90px;\n    background: #f8fbff;\n}\n\n.mcy-benefits-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    overflow: hidden;\n    border: 1px solid var(--mcy-border);\n    border-radius: 24px;\n    background: #ffffff;\n    box-shadow: 0 22px 65px rgba(16, 42, 67, 0.07);\n}\n\n.mcy-benefit {\n    display: flex;\n    align-items: flex-start;\n    gap: 16px;\n    padding: 31px;\n}\n\n.mcy-benefit + .mcy-benefit {\n    border-left: 1px solid var(--mcy-border);\n}\n\n.mcy-benefit-icon {\n    width: 49px;\n    height: 49px;\n    display: grid;\n    flex: 0 0 49px;\n    place-items: center;\n    border-radius: 14px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n}\n\n.mcy-benefit-icon svg {\n    width: 23px;\n    height: 23px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcy-benefit h3 {\n    margin: 1px 0 7px;\n    color: var(--mcy-navy);\n    font-size: 17px;\n}\n\n.mcy-benefit p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.65;\n}\n\n\n\/* SHARED SECTIONS *\/\n\n.mcy-section {\n    padding: 110px 30px;\n}\n\n.mcy-section-heading {\n    max-width: 880px;\n    margin: 0 auto 55px;\n    text-align: center;\n}\n\n.mcy-section-heading h2,\n.mcy-faq-heading h2 {\n    margin: 0 0 20px;\n    color: var(--mcy-navy);\n    font-size: clamp(42px, 4.5vw, 61px);\n    line-height: 1.04;\n    font-weight: 820;\n    letter-spacing: -0.048em;\n}\n\n.mcy-section-heading h2 span {\n    color: var(--mcy-blue);\n}\n\n.mcy-section-heading p,\n.mcy-faq-heading > p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 17px;\n    line-height: 1.72;\n}\n\n\n\/* INTRO *\/\n\n.mcy-intro {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mcy-intro-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(420px, 0.82fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcy-intro-content h2 {\n    max-width: 750px;\n    margin: 0 0 22px;\n    color: var(--mcy-navy);\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-intro-content h2 span {\n    display: block;\n    color: var(--mcy-blue);\n}\n\n.mcy-intro-content > p {\n    max-width: 700px;\n    margin: 0 0 17px;\n    color: var(--mcy-text);\n    font-size: 16px;\n    line-height: 1.75;\n}\n\n.mcy-intro-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n    margin: 29px 0 32px;\n}\n\n.mcy-intro-points span,\n.mcy-control-points span {\n    display: flex;\n    align-items: center;\n    gap: 9px;\n    font-size: 13px;\n    font-weight: 650;\n}\n\n.mcy-intro-points span {\n    color: var(--mcy-text);\n}\n\n.mcy-intro-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 11px;\n    font-style: normal;\n}\n\n\n\/* SECURITY PANEL *\/\n\n.mcy-security-panel {\n    padding: 35px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 27px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f7f9ff\n        );\n    box-shadow: 0 25px 65px rgba(16, 42, 67, 0.1);\n}\n\n.mcy-card-label {\n    display: block;\n    margin-bottom: 8px;\n    color: var(--mcy-blue);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mcy-security-header {\n    display: flex;\n    align-items: flex-start;\n    justify-content: space-between;\n    gap: 20px;\n    margin-bottom: 27px;\n}\n\n.mcy-security-header h3 {\n    margin: 0;\n    color: var(--mcy-navy);\n    font-size: 27px;\n    line-height: 1.15;\n}\n\n.mcy-status {\n    display: inline-flex;\n    align-items: center;\n    gap: 7px;\n    padding: 8px 12px;\n    border-radius: 999px;\n    background: #e8fff3;\n    color: #128850;\n    font-size: 10px;\n    font-weight: 800;\n    text-transform: uppercase;\n}\n\n.mcy-status::before {\n    content: \"\";\n    width: 7px;\n    height: 7px;\n    border-radius: 50%;\n    background: #20b86b;\n    box-shadow: 0 0 0 4px rgba(32, 184, 107, 0.12);\n}\n\n.mcy-security-list {\n    display: grid;\n    gap: 12px;\n}\n\n.mcy-security-list > div {\n    display: grid;\n    grid-template-columns: 42px minmax(0, 1fr) 25px;\n    align-items: center;\n    gap: 12px;\n    padding: 13px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 14px;\n    background: #ffffff;\n}\n\n.mcy-security-icon {\n    width: 42px;\n    height: 42px;\n    display: grid;\n    place-items: center;\n    border-radius: 12px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n}\n\n.mcy-security-icon svg {\n    width: 21px;\n    height: 21px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcy-security-list strong {\n    display: block;\n    margin-bottom: 3px;\n    color: var(--mcy-navy);\n    font-size: 13px;\n}\n\n.mcy-security-list small {\n    display: block;\n    color: var(--mcy-muted);\n    font-size: 10px;\n}\n\n.mcy-security-list > div > i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: #e8fff3;\n    color: #128850;\n    font-size: 11px;\n    font-style: normal;\n    font-weight: 800;\n}\n\n\n\/* THREATS *\/\n\n.mcy-threats {\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-threat-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mcy-threat-card {\n    position: relative;\n    min-height: 350px;\n    padding: 31px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-threat-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcy-threat-number {\n    position: absolute;\n    top: 29px;\n    right: 29px;\n    color: #c7d7e8;\n    font-size: 11px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-threat-icon,\n.mcy-coverage-icon,\n.mcy-comparison-icon,\n.mcy-process-icon,\n.mcy-response-icon {\n    display: grid;\n    place-items: center;\n    border-radius: 15px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n}\n\n.mcy-threat-icon {\n    width: 53px;\n    height: 53px;\n    margin-bottom: 36px;\n}\n\n.mcy-threat-icon svg,\n.mcy-coverage-icon svg,\n.mcy-comparison-icon svg,\n.mcy-process-icon svg,\n.mcy-response-icon svg {\n    width: 25px;\n    height: 25px;\n    fill: none;\n    stroke: currentColor;\n    stroke-width: 1.8;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n}\n\n.mcy-threat-card h3 {\n    margin: 0 0 12px;\n    color: var(--mcy-navy);\n    font-size: 20px;\n}\n\n.mcy-threat-card p {\n    margin: 0 0 22px;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mcy-threat-tag {\n    display: inline-flex;\n    padding: 8px 11px;\n    border-radius: 999px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 9px;\n    font-weight: 800;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n}\n\n\n\/* COVERAGES *\/\n\n.mcy-coverages {\n    background: #ffffff;\n}\n\n.mcy-coverage-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mcy-coverage-card {\n    position: relative;\n    display: flex;\n    flex-direction: column;\n    min-height: 455px;\n    padding: 31px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 23px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-coverage-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-6px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcy-coverage-number {\n    position: absolute;\n    top: 29px;\n    right: 29px;\n    color: #c7d7e8;\n    font-size: 11px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-coverage-icon {\n    width: 53px;\n    height: 53px;\n    margin-bottom: 36px;\n}\n\n.mcy-coverage-card h3 {\n    margin: 0 0 12px;\n    color: var(--mcy-navy);\n    font-size: 20px;\n}\n\n.mcy-coverage-card > p {\n    margin: 0 0 22px;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n.mcy-coverage-card ul,\n.mcy-comparison-card ul {\n    display: grid;\n    gap: 11px;\n    margin: 0;\n    padding: 0;\n    list-style: none;\n}\n\n.mcy-coverage-card ul {\n    flex: 1;\n}\n\n.mcy-coverage-card li,\n.mcy-comparison-card li {\n    position: relative;\n    padding-left: 25px;\n    color: var(--mcy-text);\n    font-size: 12px;\n    line-height: 1.5;\n}\n\n.mcy-coverage-card li::before,\n.mcy-comparison-card li::before {\n    content: \"\u2713\";\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 18px;\n    height: 18px;\n    display: grid;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 9px;\n    font-weight: 850;\n}\n\n\n\/* COMPARISON *\/\n\n.mcy-comparison {\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-comparison-grid {\n    width: 100%;\n    max-width: 1080px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 22px;\n}\n\n.mcy-comparison-card {\n    position: relative;\n    min-height: 500px;\n    padding: 39px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 26px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-comparison-card:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-7px);\n    box-shadow: 0 25px 60px rgba(16, 42, 67, 0.1);\n}\n\n.mcy-comparison-featured {\n    border-color: rgba(0, 109, 255, 0.5);\n    box-shadow: 0 24px 60px rgba(0, 109, 255, 0.12);\n}\n\n.mcy-comparison-badge {\n    display: inline-flex;\n    margin-bottom: 30px;\n    padding: 8px 13px;\n    border-radius: 999px;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 9px;\n    font-weight: 800;\n    letter-spacing: 0.07em;\n    text-transform: uppercase;\n}\n\n.mcy-comparison-icon {\n    width: 58px;\n    height: 58px;\n    margin-bottom: 32px;\n}\n\n.mcy-comparison-card h3 {\n    margin: 0 0 15px;\n    color: var(--mcy-navy);\n    font-size: 27px;\n}\n\n.mcy-comparison-card > p {\n    margin: 0 0 26px;\n    color: var(--mcy-text);\n    font-size: 14px;\n    line-height: 1.72;\n}\n\n\n\/* RESPONSE FLOW *\/\n\n.mcy-response {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 85% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mcy-response-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n}\n\n.mcy-response-heading {\n    max-width: 820px;\n    margin-bottom: 52px;\n}\n\n.mcy-response-heading h2 {\n    margin: 0 0 19px;\n    color: #ffffff;\n    font-size: clamp(42px, 4.2vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-response-heading p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcy-response-flow {\n    display: grid;\n    grid-template-columns:\n        minmax(0, 1fr)\n        auto\n        minmax(0, 1fr)\n        auto\n        minmax(0, 1fr)\n        auto\n        minmax(0, 1fr);\n    align-items: center;\n    gap: 13px;\n}\n\n.mcy-response-flow article {\n    min-height: 285px;\n    padding: 28px;\n    border: 1px solid rgba(255, 255, 255, 0.18);\n    border-radius: 21px;\n    background: rgba(255, 255, 255, 0.1);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n}\n\n.mcy-response-number {\n    display: block;\n    margin-bottom: 26px;\n    color: rgba(255, 255, 255, 0.53);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-response-icon {\n    width: 50px;\n    height: 50px;\n    margin-bottom: 26px;\n    background: rgba(255, 255, 255, 0.14);\n    color: #ffffff;\n}\n\n.mcy-response-flow h3 {\n    margin: 0 0 10px;\n    color: #ffffff;\n    font-size: 19px;\n}\n\n.mcy-response-flow p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.72);\n    font-size: 12px;\n    line-height: 1.68;\n}\n\n.mcy-response-arrow {\n    color: rgba(255, 255, 255, 0.52);\n    font-size: 23px;\n}\n\n\n\/* SCENARIOS *\/\n\n.mcy-scenarios {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 18% 80%,\n            rgba(255, 255, 255, 0.1),\n            transparent 30%\n        ),\n        linear-gradient(135deg, #102a43 0%, #123f6a 100%);\n}\n\n.mcy-scenarios-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n}\n\n.mcy-scenarios-heading {\n    max-width: 820px;\n    margin-bottom: 50px;\n}\n\n.mcy-scenarios-heading h2 {\n    margin: 0 0 19px;\n    color: #ffffff;\n    font-size: clamp(42px, 4.2vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-scenarios-heading p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.7);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcy-scenario-grid {\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 16px;\n}\n\n.mcy-scenario-grid article {\n    display: flex;\n    flex-direction: column;\n    min-height: 315px;\n    padding: 29px;\n    border: 1px solid rgba(255, 255, 255, 0.15);\n    border-radius: 21px;\n    background: rgba(255, 255, 255, 0.08);\n    backdrop-filter: blur(12px);\n    -webkit-backdrop-filter: blur(12px);\n    transition:\n        transform 0.3s ease,\n        background-color 0.3s ease;\n}\n\n.mcy-scenario-grid article:hover {\n    background: rgba(255, 255, 255, 0.12);\n    transform: translateY(-5px);\n}\n\n.mcy-scenario-number {\n    display: block;\n    margin-bottom: 37px;\n    color: rgba(255, 255, 255, 0.46);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-scenario-grid h3 {\n    margin: 0 0 11px;\n    color: #ffffff;\n    font-size: 19px;\n}\n\n.mcy-scenario-grid p {\n    flex: 1;\n    margin: 0 0 20px;\n    color: rgba(255, 255, 255, 0.68);\n    font-size: 12px;\n    line-height: 1.68;\n}\n\n.mcy-scenario-grid strong {\n    color: #ffffff;\n    font-size: 11px;\n    line-height: 1.5;\n}\n\n\n\/* INDUSTRIES *\/\n\n.mcy-industries {\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-industry-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(4, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mcy-industry-grid article {\n    min-height: 260px;\n    padding: 27px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 21px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-industry-grid article:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-5px);\n    box-shadow: 0 20px 45px rgba(16, 42, 67, 0.08);\n}\n\n.mcy-industry-icon {\n    width: 49px;\n    height: 49px;\n    display: grid;\n    place-items: center;\n    margin-bottom: 31px;\n    border-radius: 14px;\n    background:\n        linear-gradient(\n            145deg,\n            var(--mcy-light-blue),\n            #f1edff\n        );\n    color: var(--mcy-blue);\n    font-size: 11px;\n    font-weight: 850;\n}\n\n.mcy-industry-grid h3 {\n    margin: 0 0 10px;\n    color: var(--mcy-navy);\n    font-size: 18px;\n}\n\n.mcy-industry-grid p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* CONTROLS *\/\n\n.mcy-controls {\n    padding: 105px 30px;\n    background:\n        radial-gradient(\n            circle at 84% 18%,\n            rgba(255, 255, 255, 0.12),\n            transparent 28%\n        ),\n        linear-gradient(135deg, #006dff 0%, #0053c7 100%);\n}\n\n.mcy-controls-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(0, 1fr) minmax(420px, 0.8fr);\n    align-items: center;\n    gap: 75px;\n}\n\n.mcy-controls-content h2 {\n    max-width: 720px;\n    margin: 0 0 21px;\n    color: #ffffff;\n    font-size: clamp(42px, 4vw, 59px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-controls-content > p {\n    max-width: 690px;\n    margin: 0 0 31px;\n    color: rgba(255, 255, 255, 0.78);\n    font-size: 17px;\n    line-height: 1.75;\n}\n\n.mcy-control-points {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 13px 20px;\n}\n\n.mcy-control-points span {\n    color: #ffffff;\n}\n\n.mcy-control-points i {\n    width: 23px;\n    height: 23px;\n    display: grid;\n    flex: 0 0 23px;\n    place-items: center;\n    border-radius: 50%;\n    background: rgba(255, 255, 255, 0.14);\n    color: #ffffff;\n    font-size: 11px;\n    font-style: normal;\n}\n\n.mcy-control-panel {\n    padding: 38px;\n    border: 1px solid rgba(255, 255, 255, 0.19);\n    border-radius: 26px;\n    background: rgba(255, 255, 255, 0.11);\n    backdrop-filter: blur(15px);\n    -webkit-backdrop-filter: blur(15px);\n}\n\n.mcy-control-panel-label {\n    display: block;\n    margin-bottom: 22px;\n    color: rgba(255, 255, 255, 0.65);\n    font-size: 10px;\n    font-weight: 800;\n    letter-spacing: 0.08em;\n    text-transform: uppercase;\n}\n\n.mcy-control-score {\n    display: flex;\n    align-items: center;\n    gap: 17px;\n    margin-bottom: 21px;\n}\n\n.mcy-control-score strong {\n    width: 76px;\n    height: 76px;\n    display: grid;\n    flex: 0 0 76px;\n    place-items: center;\n    border-radius: 20px;\n    background: rgba(255, 255, 255, 0.15);\n    color: #ffffff;\n    font-size: 25px;\n    letter-spacing: -0.04em;\n}\n\n.mcy-control-score span {\n    color: #ffffff;\n    font-size: 22px;\n    line-height: 1.2;\n    font-weight: 750;\n}\n\n.mcy-control-panel > p {\n    margin: 0 0 25px;\n    color: rgba(255, 255, 255, 0.74);\n    font-size: 13px;\n    line-height: 1.7;\n}\n\n.mcy-control-list {\n    display: grid;\n    gap: 11px;\n}\n\n.mcy-control-list span {\n    padding: 12px 14px;\n    border: 1px solid rgba(255, 255, 255, 0.13);\n    border-radius: 12px;\n    background: rgba(255, 255, 255, 0.07);\n    color: rgba(255, 255, 255, 0.84);\n    font-size: 12px;\n}\n\n\n\/* UNDERWRITING *\/\n\n.mcy-underwriting {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mcy-underwriting-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mcy-underwriting-content {\n    position: sticky;\n    top: 40px;\n}\n\n.mcy-underwriting-content h2 {\n    margin: 0 0 19px;\n    color: var(--mcy-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-underwriting-content p {\n    margin: 0 0 29px;\n    color: var(--mcy-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcy-underwriting-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mcy-underwriting-grid article {\n    min-height: 220px;\n    padding: 28px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 21px;\n    background:\n        linear-gradient(\n            145deg,\n            #ffffff,\n            #f9fbff\n        );\n}\n\n.mcy-underwriting-grid article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcy-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-underwriting-grid h3 {\n    margin: 0 0 10px;\n    color: var(--mcy-navy);\n    font-size: 18px;\n}\n\n.mcy-underwriting-grid p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* PROCESS *\/\n\n.mcy-process {\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-process-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 20px;\n}\n\n.mcy-process-card {\n    position: relative;\n    min-height: 350px;\n    padding: 32px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 23px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-process-card:hover {\n    border-color: rgba(0, 109, 255, 0.23);\n    transform: translateY(-7px);\n    box-shadow: 0 24px 54px rgba(16, 42, 67, 0.1);\n}\n\n.mcy-process-number {\n    position: absolute;\n    top: 28px;\n    right: 28px;\n    color: #c7d7e8;\n    font-size: 12px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-process-icon {\n    width: 55px;\n    height: 55px;\n    margin-bottom: 50px;\n}\n\n.mcy-process-card h3 {\n    margin: 0 0 13px;\n    color: var(--mcy-navy);\n    font-size: 21px;\n}\n\n.mcy-process-card p {\n    margin: 0 0 23px;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.72;\n}\n\n.mcy-process-card a {\n    display: inline-flex;\n    align-items: center;\n    gap: 8px;\n    color: var(--mcy-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n\n\/* QUOTE INFO *\/\n\n.mcy-quote-info {\n    padding: 110px 30px;\n    background: #ffffff;\n}\n\n.mcy-quote-info-container {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.75fr) minmax(0, 1.25fr);\n    align-items: start;\n    gap: 70px;\n}\n\n.mcy-quote-heading {\n    position: sticky;\n    top: 40px;\n}\n\n.mcy-quote-heading h2 {\n    margin: 0 0 19px;\n    color: var(--mcy-navy);\n    font-size: clamp(42px, 4vw, 58px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.047em;\n}\n\n.mcy-quote-heading p {\n    margin: 0 0 29px;\n    color: var(--mcy-text);\n    font-size: 16px;\n    line-height: 1.72;\n}\n\n.mcy-requirements-grid {\n    display: grid;\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n    gap: 17px;\n}\n\n.mcy-requirement {\n    min-height: 220px;\n    padding: 28px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 21px;\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-requirement > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcy-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-requirement h3 {\n    margin: 0 0 10px;\n    color: var(--mcy-navy);\n    font-size: 18px;\n}\n\n.mcy-requirement p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 12px;\n    line-height: 1.65;\n}\n\n\n\/* LIMITATIONS *\/\n\n.mcy-limitations {\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-limitation-grid {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n    gap: 19px;\n}\n\n.mcy-limitation-grid article {\n    min-height: 260px;\n    padding: 29px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 22px;\n    background: #ffffff;\n    transition:\n        transform 0.3s ease,\n        border-color 0.3s ease,\n        box-shadow 0.3s ease;\n}\n\n.mcy-limitation-grid article:hover {\n    border-color: rgba(0, 109, 255, 0.24);\n    transform: translateY(-5px);\n    box-shadow: 0 22px 50px rgba(16, 42, 67, 0.08);\n}\n\n.mcy-limitation-grid article > span {\n    display: block;\n    margin-bottom: 36px;\n    color: var(--mcy-blue);\n    font-size: 10px;\n    font-weight: 850;\n    letter-spacing: 0.08em;\n}\n\n.mcy-limitation-grid h3 {\n    margin: 0 0 11px;\n    color: var(--mcy-navy);\n    font-size: 19px;\n}\n\n.mcy-limitation-grid p {\n    margin: 0;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.68;\n}\n\n\n\/* CTA *\/\n\n.mcy-cta {\n    padding: 40px 30px;\n    background: #ffffff;\n}\n\n.mcy-cta-container {\n    width: 100%;\n    max-width: 1350px;\n    margin: 0 auto;\n    padding: 65px 70px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 45px;\n    overflow: hidden;\n    border-radius: 30px;\n    background:\n        radial-gradient(\n            circle at 90% 0%,\n            rgba(255, 255, 255, 0.14),\n            transparent 29%\n        ),\n        linear-gradient(135deg, #006dff, #004ebc);\n    box-shadow: 0 30px 75px rgba(0, 88, 217, 0.21);\n}\n\n.mcy-cta-container h2 {\n    max-width: 740px;\n    margin: 0 0 15px;\n    color: #ffffff;\n    font-size: clamp(38px, 4vw, 55px);\n    line-height: 1.05;\n    font-weight: 820;\n    letter-spacing: -0.045em;\n}\n\n.mcy-cta-container p {\n    margin: 0;\n    color: rgba(255, 255, 255, 0.76);\n    font-size: 15px;\n    line-height: 1.65;\n}\n\n.mcy-cta-container p a {\n    color: #ffffff;\n    font-weight: 750;\n}\n\n.mcy-cta-buttons {\n    display: flex;\n    flex: 0 0 auto;\n    flex-direction: column;\n    gap: 12px;\n}\n\n\n\/* FAQ *\/\n\n.mcy-faq {\n    background: #ffffff;\n}\n\n.mcy-faq-layout {\n    width: 100%;\n    max-width: 1250px;\n    margin: 0 auto;\n    display: grid;\n    grid-template-columns: minmax(320px, 0.78fr) minmax(0, 1.22fr);\n    align-items: start;\n    gap: 75px;\n}\n\n.mcy-help-card {\n    margin-top: 30px;\n    padding: 25px;\n    border: 1px solid var(--mcy-border);\n    border-radius: 19px;\n    background: var(--mcy-soft-blue);\n}\n\n.mcy-help-card span,\n.mcy-help-card strong {\n    display: block;\n}\n\n.mcy-help-card span {\n    margin-bottom: 7px;\n    color: var(--mcy-muted);\n    font-size: 11px;\n}\n\n.mcy-help-card strong {\n    margin-bottom: 14px;\n    color: var(--mcy-navy);\n    font-size: 15px;\n}\n\n.mcy-help-card a {\n    color: var(--mcy-blue);\n    font-size: 12px;\n    font-weight: 750;\n}\n\n.mcy-faq-list {\n    display: grid;\n    gap: 13px;\n}\n\n.mcy-faq-list details {\n    border: 1px solid var(--mcy-border);\n    border-radius: 17px;\n    background: #ffffff;\n    transition:\n        border-color 0.25s ease,\n        box-shadow 0.25s ease;\n}\n\n.mcy-faq-list details[open] {\n    border-color: rgba(0, 109, 255, 0.24);\n    box-shadow: 0 17px 40px rgba(16, 42, 67, 0.07);\n}\n\n.mcy-faq-list summary {\n    min-height: 74px;\n    display: flex;\n    align-items: center;\n    justify-content: space-between;\n    gap: 25px;\n    padding: 20px 23px;\n    color: var(--mcy-navy);\n    font-size: 14px;\n    line-height: 1.4;\n    font-weight: 750;\n    cursor: pointer;\n    list-style: none;\n}\n\n.mcy-faq-list summary::-webkit-details-marker {\n    display: none;\n}\n\n.mcy-faq-list summary span {\n    width: 29px;\n    height: 29px;\n    display: grid;\n    flex: 0 0 29px;\n    place-items: center;\n    border-radius: 50%;\n    background: var(--mcy-light-blue);\n    color: var(--mcy-blue);\n    font-size: 18px;\n    font-weight: 500;\n    transition: transform 0.25s ease;\n}\n\n.mcy-faq-list details[open] summary span {\n    transform: rotate(45deg);\n}\n\n.mcy-faq-list details > div {\n    padding: 0 23px 23px;\n    color: var(--mcy-text);\n    font-size: 13px;\n    line-height: 1.75;\n}\n\n\n\/* TABLET \/ SMALL DESKTOP *\/\n\n@media (max-width: 1100px) {\n\n    .mcy-hero-container {\n        grid-template-columns: minmax(0, 0.95fr) minmax(430px, 1.05fr);\n        gap: 40px;\n    }\n\n    .mcy-threat-grid,\n    .mcy-coverage-grid,\n    .mcy-limitation-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcy-industry-grid,\n    .mcy-scenario-grid {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcy-response-flow {\n        grid-template-columns: repeat(2, minmax(0, 1fr));\n    }\n\n    .mcy-response-arrow {\n        display: none;\n    }\n\n    .mcy-controls-container {\n        gap: 45px;\n    }\n\n    .mcy-cta-container {\n        padding: 55px 45px;\n    }\n}\n\n\n\/* TABLET *\/\n\n@media (max-width: 900px) {\n\n    .mcy-hero {\n        padding: 75px 22px 70px;\n    }\n\n    .mcy-hero-container,\n    .mcy-intro-container,\n    .mcy-controls-container,\n    .mcy-underwriting-container,\n    .mcy-quote-info-container,\n    .mcy-faq-layout {\n        grid-template-columns: 1fr;\n    }\n\n    .mcy-hero-content {\n        max-width: 780px;\n        margin: 0 auto;\n        text-align: center;\n    }\n\n    .mcy-hero-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcy-hero-buttons,\n    .mcy-hero-trust {\n        justify-content: center;\n    }\n\n    .mcy-hero-visual {\n        min-height: 510px;\n    }\n\n    .mcy-benefits-container {\n        grid-template-columns: 1fr;\n    }\n\n    .mcy-benefit + .mcy-benefit {\n        border-top: 1px solid var(--mcy-border);\n        border-left: 0;\n    }\n\n    .mcy-section,\n    .mcy-intro,\n    .mcy-response,\n    .mcy-scenarios,\n    .mcy-controls,\n    .mcy-underwriting,\n    .mcy-quote-info {\n        padding: 85px 22px;\n    }\n\n    .mcy-comparison-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n    }\n\n    .mcy-controls-content {\n        text-align: center;\n    }\n\n    .mcy-controls-content h2,\n    .mcy-controls-content > p {\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcy-control-points {\n        max-width: 680px;\n        margin-right: auto;\n        margin-left: auto;\n        text-align: left;\n    }\n\n    .mcy-underwriting-content,\n    .mcy-quote-heading {\n        position: static;\n        max-width: 720px;\n        text-align: center;\n    }\n\n    .mcy-process-grid {\n        grid-template-columns: 1fr;\n        max-width: 650px;\n        margin-right: auto;\n        margin-left: auto;\n    }\n\n    .mcy-cta-container {\n        flex-direction: column;\n        text-align: center;\n    }\n\n    .mcy-cta-buttons {\n        width: 100%;\n        max-width: 460px;\n    }\n}\n\n\n\/* MOBILE *\/\n\n@media (max-width: 650px) {\n\n    .mcy-hero {\n        padding: 60px 17px 52px;\n    }\n\n    .mcy-hero-content h1 {\n        font-size: 44px;\n    }\n\n    .mcy-hero-content > p {\n        font-size: 16px;\n        line-height: 1.66;\n    }\n\n    .mcy-hero-buttons {\n        display: grid;\n        grid-template-columns: 1fr;\n    }\n\n    .mcy-button {\n        width: 100%;\n    }\n\n    .mcy-hero-trust {\n        width: fit-content;\n        display: grid;\n        justify-content: start;\n        margin: 0 auto;\n        text-align: left;\n    }\n\n    .mcy-hero-visual {\n        min-height: 385px;\n    }\n\n    .mcy-hero-image {\n        width: 115%;\n    }\n\n    .mcy-floating-card {\n        display: none;\n    }\n\n    .mcy-benefits {\n        padding: 0 17px 70px;\n    }\n\n    .mcy-benefit {\n        padding: 25px 22px;\n    }\n\n    .mcy-section,\n    .mcy-intro,\n    .mcy-response,\n    .mcy-scenarios,\n    .mcy-controls,\n    .mcy-underwriting,\n    .mcy-quote-info {\n        padding: 70px 17px;\n    }\n\n    .mcy-section-heading {\n        margin-bottom: 40px;\n    }\n\n    .mcy-section-heading h2,\n    .mcy-faq-heading h2,\n    .mcy-intro-content h2,\n    .mcy-response-heading h2,\n    .mcy-scenarios-heading h2,\n    .mcy-controls-content h2,\n    .mcy-underwriting-content h2,\n    .mcy-quote-heading h2 {\n        font-size: 39px;\n    }\n\n    .mcy-section-heading p,\n    .mcy-faq-heading > p,\n    .mcy-intro-content > p,\n    .mcy-response-heading p,\n    .mcy-scenarios-heading p,\n    .mcy-controls-content > p {\n        font-size: 15px;\n    }\n\n    .mcy-intro-points,\n    .mcy-threat-grid,\n    .mcy-coverage-grid,\n    .mcy-industry-grid,\n    .mcy-response-flow,\n    .mcy-scenario-grid,\n    .mcy-control-points,\n    .mcy-underwriting-grid,\n    .mcy-requirements-grid,\n    .mcy-limitation-grid {\n        grid-template-columns: 1fr;\n    }\n\n    .mcy-security-panel,\n    .mcy-control-panel {\n        padding: 29px 23px;\n    }\n\n    .mcy-threat-card,\n    .mcy-coverage-card,\n    .mcy-comparison-card,\n    .mcy-industry-grid article,\n    .mcy-response-flow article,\n    .mcy-scenario-grid article,\n    .mcy-underwriting-grid article,\n    .mcy-requirement,\n    .mcy-limitation-grid article {\n        min-height: auto;\n    }\n\n    .mcy-comparison-card {\n        padding: 31px 25px;\n    }\n\n    .mcy-cta {\n        padding: 25px 17px;\n    }\n\n    .mcy-cta-container {\n        padding: 47px 23px;\n        border-radius: 24px;\n    }\n\n    .mcy-cta-container h2 {\n        font-size: 39px;\n    }\n\n    .mcy-faq-list summary {\n        padding: 19px;\n        font-size: 13px;\n    }\n\n    .mcy-faq-list details > div {\n        padding: 0 19px 20px;\n    }\n}\n\n\n\/* VERY SMALL MOBILE *\/\n\n@media (max-width: 420px) {\n\n    .mcy-hero-content h1 {\n        font-size: 39px;\n    }\n\n    .mcy-section-heading h2,\n    .mcy-faq-heading h2,\n    .mcy-intro-content h2,\n    .mcy-response-heading h2,\n    .mcy-scenarios-heading h2,\n    .mcy-controls-content h2,\n    .mcy-underwriting-content h2,\n    .mcy-quote-heading h2,\n    .mcy-cta-container h2 {\n        font-size: 35px;\n    }\n\n    .mcy-label {\n        padding: 9px 13px;\n        font-size: 9px;\n    }\n\n    .mcy-hero-visual {\n        min-height: 330px;\n    }\n\n    .mcy-security-header {\n        flex-direction: column;\n    }\n\n    .mcy-control-score {\n        align-items: flex-start;\n        flex-direction: column;\n    }\n}\n\n\n\/* REDUCED MOTION *\/\n\n@media (prefers-reduced-motion: reduce) {\n\n    .mas-cyber-insurance-page *,\n    .mas-cyber-insurance-page *::before,\n    .mas-cyber-insurance-page *::after {\n        animation: none !important;\n        scroll-behavior: auto !important;\n        transition: none !important;\n    }\n}\n<\/style>\n\n<div class=\"mas-cyber-insurance-page\">\n\n    <!-- HERO -->\n    <section class=\"mcy-hero\">\n\n        <div class=\"mcy-hero-container\">\n\n            <div class=\"mcy-hero-content\">\n\n                <span class=\"mcy-label\">\n                    Cyber Insurance\n                <\/span>\n\n                <h1>\n                    Digital protection for\n                    <span>the modern business.<\/span>\n                <\/h1>\n\n                <p>\n                    Help protect your business from data breaches, ransomware,\n                    network interruptions, cybercrime and the financial impact\n                    of an unexpected digital incident.\n                <\/p>\n\n                <div class=\"mcy-hero-buttons\">\n\n                    <a href=\"\/contact-us\/\" class=\"mcy-button mcy-button-primary\">\n\n                        Quote Cyber Insurance\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                    <a href=\"tel:3054282005\" class=\"mcy-button mcy-button-secondary\">\n\n                        Request a Call\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6A19.79 19.79 0 0 1 2.12 4.18 2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72c.12.9.33 1.78.62 2.63a2 2 0 0 1-.45 2.11L8 9.73a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45c.85.29 1.73.5 2.63.62A2 2 0 0 1 22 16.92Z\"><\/path>\n                        <\/svg>\n\n                    <\/a>\n\n                <\/div>\n\n                <div class=\"mcy-hero-trust\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Small and growing businesses\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Multiple cyber markets\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Incident-response support\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mcy-hero-visual\">\n\n                <div class=\"mcy-hero-shape\"><\/div>\n\n                <img decoding=\"async\"\n                    src=\"https:\/\/musasinsurance.com\/wp-content\/uploads\/2025\/02\/Untitled-Instagram-Post-3-edited.png\"\n                    alt=\"Cyber insurance protection for businesses\"\n                    class=\"mcy-hero-image\"\n                >\n\n                <div class=\"mcy-floating-card mcy-floating-top\">\n\n                    <span class=\"mcy-floating-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                            <path d=\"m9 12 2 2 4-4\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <span>\n                        <small>Cyber protection<\/small>\n                        Coverage built around your risk\n                    <\/span>\n\n                <\/div>\n\n\n                <div class=\"mcy-floating-card mcy-floating-bottom\">\n\n                    <span class=\"mcy-floating-icon\">\n                        24\/7\n                    <\/span>\n\n                    <span>\n                        <small>Incident response<\/small>\n                        Help when every minute matters\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- BENEFIT BAR -->\n    <section class=\"mcy-benefits\">\n\n        <div class=\"mcy-benefits-container\">\n\n            <article class=\"mcy-benefit\">\n\n                <span class=\"mcy-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <path d=\"m9 12 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Data-Breach Response<\/h3>\n\n                    <p>\n                        Help with forensic investigation, legal review,\n                        notification and customer support expenses.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mcy-benefit\">\n\n                <span class=\"mcy-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Business Recovery<\/h3>\n\n                    <p>\n                        Coverage may help address lost income and extra\n                        expenses following a covered network interruption.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n\n            <article class=\"mcy-benefit\">\n\n                <span class=\"mcy-benefit-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"12\" r=\"9\"><\/circle>\n                        <path d=\"M12 7v5l3 2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <div>\n\n                    <h3>Specialized Response Team<\/h3>\n\n                    <p>\n                        Policies may provide access to legal, forensic,\n                        cybersecurity and crisis-management professionals.\n                    <\/p>\n\n                <\/div>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INTRO -->\n    <section class=\"mcy-intro\">\n\n        <div class=\"mcy-intro-container\">\n\n            <div class=\"mcy-intro-content\">\n\n                <span class=\"mcy-label\">\n                    Protection beyond firewalls\n                <\/span>\n\n                <h2>\n                    Cybersecurity helps prevent attacks.\n                    <span>Cyber insurance helps manage the impact.<\/span>\n                <\/h2>\n\n                <p>\n                    Cyber insurance is designed to help businesses respond to\n                    certain financial, operational and legal consequences of a\n                    cyberattack, data breach or technology-related incident.\n                <\/p>\n\n                <p>\n                    Even businesses with strong security controls can face\n                    phishing, employee mistakes, vendor incidents, malware,\n                    ransomware and other digital threats.\n                <\/p>\n\n                <div class=\"mcy-intro-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Data-breach response\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Network interruption\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Cyber extortion\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Digital asset restoration\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Privacy liability\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Cybercrime options\n                    <\/span>\n\n                <\/div>\n\n                <a href=\"\/contact-us\/\" class=\"mcy-button mcy-button-primary\">\n\n                    Review My Cyber Exposure\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mcy-security-panel\">\n\n                <div class=\"mcy-security-header\">\n\n                    <div>\n\n                        <span class=\"mcy-card-label\">\n                            Cyber risk overview\n                        <\/span>\n\n                        <h3>\n                            Common digital exposures\n                        <\/h3>\n\n                    <\/div>\n\n                    <span class=\"mcy-status\">\n                        Active\n                    <\/span>\n\n                <\/div>\n\n\n                <div class=\"mcy-security-list\">\n\n                    <div>\n\n                        <span class=\"mcy-security-icon\">\n\n                            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                                <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                            <\/svg>\n\n                        <\/span>\n\n                        <div>\n                            <strong>Ransomware<\/strong>\n                            <small>Files or systems encrypted<\/small>\n                        <\/div>\n\n                        <i>\u2713<\/i>\n\n                    <\/div>\n\n\n                    <div>\n\n                        <span class=\"mcy-security-icon\">\n\n                            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                                <path d=\"M4 5h16v14H4Z\"><\/path>\n                                <path d=\"m4 7 8 6 8-6\"><\/path>\n                            <\/svg>\n\n                        <\/span>\n\n                        <div>\n                            <strong>Business Email Compromise<\/strong>\n                            <small>Fraudulent payment instructions<\/small>\n                        <\/div>\n\n                        <i>\u2713<\/i>\n\n                    <\/div>\n\n\n                    <div>\n\n                        <span class=\"mcy-security-icon\">\n\n                            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                                <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                                <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                            <\/svg>\n\n                        <\/span>\n\n                        <div>\n                            <strong>Credential Theft<\/strong>\n                            <small>Compromised accounts and passwords<\/small>\n                        <\/div>\n\n                        <i>\u2713<\/i>\n\n                    <\/div>\n\n\n                    <div>\n\n                        <span class=\"mcy-security-icon\">\n\n                            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                                <path d=\"M5 4h14v16H5Z\"><\/path>\n                                <path d=\"M9 8h6M9 12h6M9 16h4\"><\/path>\n                            <\/svg>\n\n                        <\/span>\n\n                        <div>\n                            <strong>Data Breach<\/strong>\n                            <small>Customer or employee information exposed<\/small>\n                        <\/div>\n\n                        <i>\u2713<\/i>\n\n                    <\/div>\n\n\n                    <div>\n\n                        <span class=\"mcy-security-icon\">\n\n                            <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                                <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                                <path d=\"M2 19h22\"><\/path>\n                            <\/svg>\n\n                        <\/span>\n\n                        <div>\n                            <strong>Network Interruption<\/strong>\n                            <small>Systems unavailable or offline<\/small>\n                        <\/div>\n\n                        <i>\u2713<\/i>\n\n                    <\/div>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- THREATS -->\n    <section class=\"mcy-section mcy-threats\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                Cyber threats\n            <\/span>\n\n            <h2>\n                A cyber incident can begin\n                <span>with one small mistake.<\/span>\n            <\/h2>\n\n            <p>\n                Attackers frequently target employees, email accounts,\n                vendors, payment systems and unpatched technology.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-threat-grid\">\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    01\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 4h14v16H5Z\"><\/path>\n                        <path d=\"M8 8h8M8 12h8M8 16h5\"><\/path>\n                        <path d=\"m15 5 4 4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Phishing<\/h3>\n\n                <p>\n                    A deceptive email or message convinces an employee to\n                    disclose credentials, open a malicious file or approve a\n                    fraudulent payment.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Employee-driven exposure\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    02\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <rect x=\"5\" y=\"10\" width=\"14\" height=\"11\" rx=\"2\"><\/rect>\n                        <path d=\"M8 10V7a4 4 0 0 1 8 0v3\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Ransomware<\/h3>\n\n                <p>\n                    Malicious software encrypts files, disables systems or\n                    threatens to release sensitive information unless payment\n                    is made.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Operational disruption\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    03\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 5h16v14H4Z\"><\/path>\n                        <path d=\"m4 7 8 6 8-6\"><\/path>\n                        <path d=\"M17 3v4M15 5h4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Email Compromise<\/h3>\n\n                <p>\n                    A criminal gains access to a business email account and\n                    uses it to impersonate employees, executives or vendors.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Financial fraud risk\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    04\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"M18 5v6M15 8h6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Human Error<\/h3>\n\n                <p>\n                    An employee accidentally sends information to the wrong\n                    person, loses a device or misconfigures access to sensitive\n                    files.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Accidental data exposure\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    05\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V8h6v13M10 21V4h10v17\"><\/path>\n                        <path d=\"M7 12h1M7 16h1M14 8h2M14 12h2M14 16h2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Vendor Breach<\/h3>\n\n                <p>\n                    A software provider, payment processor or other outside\n                    service experiences a breach that affects your operations\n                    or information.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Third-party dependency\n                <\/span>\n\n            <\/article>\n\n\n            <article class=\"mcy-threat-card\">\n\n                <span class=\"mcy-threat-number\">\n                    06\n                <\/span>\n\n                <span class=\"mcy-threat-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M3 12h18M12 3v18\"><\/path>\n                        <circle cx=\"12\" cy=\"12\" r=\"8\"><\/circle>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>System Outage<\/h3>\n\n                <p>\n                    A security event, software failure or technology incident\n                    makes critical systems unavailable and interrupts business.\n                <\/p>\n\n                <span class=\"mcy-threat-tag\">\n                    Revenue and downtime risk\n                <\/span>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- COVERAGES -->\n    <section class=\"mcy-section mcy-coverages\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                Cyber coverage options\n            <\/span>\n\n            <h2>\n                Protection before, during and\n                <span>after a cyber incident.<\/span>\n            <\/h2>\n\n            <p>\n                Coverage varies by insurance company and policy form. A cyber\n                program can combine first-party expense coverage with\n                third-party liability protection.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-coverage-grid\">\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    01\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <path d=\"m9 12 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Data-Breach Response<\/h3>\n\n                <p>\n                    Helps pay eligible costs associated with investigating and\n                    responding to a breach involving personal or confidential\n                    information.\n                <\/p>\n\n                <ul>\n                    <li>Forensic investigation<\/li>\n                    <li>Legal and privacy review<\/li>\n                    <li>Customer notification<\/li>\n                    <li>Credit-monitoring services<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    02\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Business Interruption<\/h3>\n\n                <p>\n                    May help replace eligible income and pay extra expenses\n                    when a covered cyber incident interrupts business\n                    operations.\n                <\/p>\n\n                <ul>\n                    <li>Lost net income<\/li>\n                    <li>Continuing expenses<\/li>\n                    <li>Temporary workarounds<\/li>\n                    <li>Dependent-business interruption options<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    03\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <rect x=\"5\" y=\"10\" width=\"14\" height=\"11\" rx=\"2\"><\/rect>\n                        <path d=\"M8 10V7a4 4 0 0 1 8 0v3\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Cyber Extortion<\/h3>\n\n                <p>\n                    May cover eligible expenses associated with ransomware,\n                    extortion demands and professional response services.\n                <\/p>\n\n                <ul>\n                    <li>Incident-response consultation<\/li>\n                    <li>Negotiation professionals<\/li>\n                    <li>Extortion payment where lawful<\/li>\n                    <li>Threat investigation<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    04\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 4h14v16H5Z\"><\/path>\n                        <path d=\"M8 8h8M8 12h8M8 16h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Data Restoration<\/h3>\n\n                <p>\n                    Helps cover eligible costs to restore, recreate or recover\n                    data and software damaged during a covered cyber incident.\n                <\/p>\n\n                <ul>\n                    <li>Data recovery specialists<\/li>\n                    <li>Software restoration<\/li>\n                    <li>System rebuilding<\/li>\n                    <li>Digital asset recovery<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    05\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V6h16v15\"><\/path>\n                        <path d=\"M8 10h8M8 14h8M8 18h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Privacy Liability<\/h3>\n\n                <p>\n                    Helps defend the business against certain lawsuits or\n                    claims alleging failure to protect confidential\n                    information.\n                <\/p>\n\n                <ul>\n                    <li>Legal defense<\/li>\n                    <li>Eligible settlements<\/li>\n                    <li>Privacy-related claims<\/li>\n                    <li>Regulatory proceedings where covered<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    06\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 5h16v14H4Z\"><\/path>\n                        <path d=\"m4 7 8 6 8-6\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Cybercrime<\/h3>\n\n                <p>\n                    Optional coverage may help address certain fraudulent\n                    transfers, social-engineering losses or electronic theft.\n                <\/p>\n\n                <ul>\n                    <li>Funds-transfer fraud<\/li>\n                    <li>Social engineering<\/li>\n                    <li>Invoice manipulation<\/li>\n                    <li>Telecommunications fraud<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    07\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 5h16v11H7l-3 3Z\"><\/path>\n                        <path d=\"M8 9h8M8 12h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Crisis Management<\/h3>\n\n                <p>\n                    May provide professional communication and reputation\n                    support following a public cyber or privacy incident.\n                <\/p>\n\n                <ul>\n                    <li>Public-relations services<\/li>\n                    <li>Customer communications<\/li>\n                    <li>Reputation management<\/li>\n                    <li>Media-response assistance<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    08\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"12\" r=\"9\"><\/circle>\n                        <path d=\"M12 7v5l3 2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Incident Response<\/h3>\n\n                <p>\n                    Many cyber policies provide access to a response hotline\n                    and preapproved experts following a suspected incident.\n                <\/p>\n\n                <ul>\n                    <li>Cybersecurity specialists<\/li>\n                    <li>Breach-response counsel<\/li>\n                    <li>Forensic investigators<\/li>\n                    <li>Recovery professionals<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-coverage-card\">\n\n                <span class=\"mcy-coverage-number\">\n                    09\n                <\/span>\n\n                <span class=\"mcy-coverage-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"12\" cy=\"8\" r=\"4\"><\/circle>\n                        <path d=\"M4 21a8 8 0 0 1 16 0\"><\/path>\n                        <path d=\"m16 11 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Media Liability<\/h3>\n\n                <p>\n                    May help address certain claims arising from digital\n                    content, advertising, websites or online publications.\n                <\/p>\n\n                <ul>\n                    <li>Copyright allegations<\/li>\n                    <li>Defamation claims<\/li>\n                    <li>Online content liability<\/li>\n                    <li>Advertising injury<\/li>\n                <\/ul>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- FIRST VS THIRD PARTY -->\n    <section class=\"mcy-section mcy-comparison\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                How cyber coverage is structured\n            <\/span>\n\n            <h2>\n                Protect your own business and\n                <span>your responsibility to others.<\/span>\n            <\/h2>\n\n            <p>\n                Cyber policies commonly combine first-party expense coverage\n                and third-party liability coverage.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-comparison-grid\">\n\n            <article class=\"mcy-comparison-card mcy-comparison-featured\">\n\n                <span class=\"mcy-comparison-badge\">\n                    Your direct losses\n                <\/span>\n\n                <span class=\"mcy-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 21V8h6v13M10 21V4h10v17\"><\/path>\n                        <path d=\"M7 12h1M7 16h1M14 8h2M14 12h2M14 16h2\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>First-Party Coverage<\/h3>\n\n                <p>\n                    Helps pay certain costs your own business experiences\n                    because of a covered cyber incident.\n                <\/p>\n\n                <ul>\n                    <li>Forensic investigation<\/li>\n                    <li>Data restoration<\/li>\n                    <li>Business interruption<\/li>\n                    <li>Cyber extortion<\/li>\n                    <li>Notification expenses<\/li>\n                    <li>Crisis-management services<\/li>\n                <\/ul>\n\n            <\/article>\n\n\n            <article class=\"mcy-comparison-card\">\n\n                <span class=\"mcy-comparison-badge\">\n                    Claims from others\n                <\/span>\n\n                <span class=\"mcy-comparison-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <circle cx=\"8\" cy=\"8\" r=\"3\"><\/circle>\n                        <circle cx=\"16\" cy=\"8\" r=\"3\"><\/circle>\n                        <path d=\"M2 21a6 6 0 0 1 12 0M10 21a6 6 0 0 1 12 0\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Third-Party Coverage<\/h3>\n\n                <p>\n                    Helps protect the business when customers, employees,\n                    regulators or other parties make a covered claim.\n                <\/p>\n\n                <ul>\n                    <li>Privacy liability lawsuits<\/li>\n                    <li>Network-security liability<\/li>\n                    <li>Eligible regulatory defense<\/li>\n                    <li>Media-liability claims<\/li>\n                    <li>Defense expenses<\/li>\n                    <li>Covered settlements<\/li>\n                <\/ul>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INCIDENT RESPONSE -->\n    <section class=\"mcy-response\">\n\n        <div class=\"mcy-response-container\">\n\n            <div class=\"mcy-response-heading\">\n\n                <span class=\"mcy-label mcy-label-light\">\n                    Cyber incident response\n                <\/span>\n\n                <h2>\n                    A coordinated response can reduce disruption.\n                <\/h2>\n\n                <p>\n                    A cyber policy may provide access to experienced\n                    professionals who help guide the business from initial\n                    discovery through recovery.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mcy-response-flow\">\n\n                <article>\n\n                    <span class=\"mcy-response-number\">\n                        01\n                    <\/span>\n\n                    <span class=\"mcy-response-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <circle cx=\"12\" cy=\"12\" r=\"9\"><\/circle>\n                            <path d=\"M12 7v6M12 17h.01\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <h3>Detect<\/h3>\n\n                    <p>\n                        Identify suspicious activity, system disruption or\n                        unauthorized access.\n                    <\/p>\n\n                <\/article>\n\n\n                <span class=\"mcy-response-arrow\">\n                    \u2192\n                <\/span>\n\n\n                <article>\n\n                    <span class=\"mcy-response-number\">\n                        02\n                    <\/span>\n\n                    <span class=\"mcy-response-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M4 5h16v14H4Z\"><\/path>\n                            <path d=\"M8 9h8M8 13h5\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <h3>Report<\/h3>\n\n                    <p>\n                        Contact the carrier\u2019s incident-response hotline and\n                        follow the reporting instructions.\n                    <\/p>\n\n                <\/article>\n\n\n                <span class=\"mcy-response-arrow\">\n                    \u2192\n                <\/span>\n\n\n                <article>\n\n                    <span class=\"mcy-response-number\">\n                        03\n                    <\/span>\n\n                    <span class=\"mcy-response-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <h3>Contain<\/h3>\n\n                    <p>\n                        Work with approved experts to isolate systems, preserve\n                        evidence and stop further damage.\n                    <\/p>\n\n                <\/article>\n\n\n                <span class=\"mcy-response-arrow\">\n                    \u2192\n                <\/span>\n\n\n                <article>\n\n                    <span class=\"mcy-response-number\">\n                        04\n                    <\/span>\n\n                    <span class=\"mcy-response-icon\">\n\n                        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                            <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                            <path d=\"M2 19h22\"><\/path>\n                        <\/svg>\n\n                    <\/span>\n\n                    <h3>Recover<\/h3>\n\n                    <p>\n                        Restore systems, evaluate interruption losses and\n                        return operations to normal.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CLAIM SCENARIOS -->\n    <section class=\"mcy-scenarios\">\n\n        <div class=\"mcy-scenarios-container\">\n\n            <div class=\"mcy-scenarios-heading\">\n\n                <span class=\"mcy-label mcy-label-light\">\n                    Real-world cyber exposures\n                <\/span>\n\n                <h2>\n                    A digital incident can affect every part of the business.\n                <\/h2>\n\n                <p>\n                    These simplified examples illustrate how cyber coverage may\n                    respond. Actual coverage depends on the policy and facts of\n                    each claim.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mcy-scenario-grid\">\n\n                <article>\n\n                    <span class=\"mcy-scenario-number\">\n                        01\n                    <\/span>\n\n                    <h3>Ransomware Attack<\/h3>\n\n                    <p>\n                        Malware encrypts the company\u2019s files and shuts down\n                        operations for several days.\n                    <\/p>\n\n                    <strong>\n                        Cyber extortion, restoration and interruption coverage\n                        may apply.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcy-scenario-number\">\n                        02\n                    <\/span>\n\n                    <h3>Customer Data Breach<\/h3>\n\n                    <p>\n                        Unauthorized access exposes customer names, contact\n                        details and payment information.\n                    <\/p>\n\n                    <strong>\n                        Breach response and privacy liability may respond.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcy-scenario-number\">\n                        03\n                    <\/span>\n\n                    <h3>Fraudulent Wire Transfer<\/h3>\n\n                    <p>\n                        An employee receives altered payment instructions from\n                        what appears to be a trusted vendor.\n                    <\/p>\n\n                    <strong>\n                        Social-engineering or cybercrime coverage may be needed.\n                    <\/strong>\n\n                <\/article>\n\n\n                <article>\n\n                    <span class=\"mcy-scenario-number\">\n                        04\n                    <\/span>\n\n                    <h3>Cloud Provider Outage<\/h3>\n\n                    <p>\n                        A technology provider experiences a cyber incident that\n                        prevents the business from accessing critical systems.\n                    <\/p>\n\n                    <strong>\n                        Dependent-business interruption may be relevant.\n                    <\/strong>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- INDUSTRIES -->\n    <section class=\"mcy-section mcy-industries\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                Industries we help protect\n            <\/span>\n\n            <h2>\n                Cyber insurance for businesses that\n                <span>depend on technology and data.<\/span>\n            <\/h2>\n\n            <p>\n                Any organization that uses email, stores customer information,\n                accepts payments or relies on computer systems may have cyber\n                exposure.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-industry-grid\">\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    HC\n                <\/span>\n\n                <h3>Healthcare<\/h3>\n\n                <p>\n                    Patient information, medical records, scheduling systems\n                    and regulatory responsibilities.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    LF\n                <\/span>\n\n                <h3>Law Firms<\/h3>\n\n                <p>\n                    Confidential client files, trust accounts, sensitive\n                    communications and payment instructions.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    FS\n                <\/span>\n\n                <h3>Financial Services<\/h3>\n\n                <p>\n                    Financial records, payment activity, account information\n                    and strict security expectations.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    EC\n                <\/span>\n\n                <h3>E-Commerce<\/h3>\n\n                <p>\n                    Online transactions, customer accounts, payment details and\n                    website availability.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    RE\n                <\/span>\n\n                <h3>Real Estate<\/h3>\n\n                <p>\n                    Large wire transfers, client information, closing\n                    instructions and email-compromise exposure.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    AC\n                <\/span>\n\n                <h3>Accounting Firms<\/h3>\n\n                <p>\n                    Tax information, financial statements, payroll data and\n                    confidential client records.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    TR\n                <\/span>\n\n                <h3>Transportation<\/h3>\n\n                <p>\n                    Dispatch systems, fleet technology, payment processing and\n                    shipment information.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    MF\n                <\/span>\n\n                <h3>Manufacturers<\/h3>\n\n                <p>\n                    Production systems, supply chains, vendor access and\n                    operational technology.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    NP\n                <\/span>\n\n                <h3>Nonprofits<\/h3>\n\n                <p>\n                    Donor records, employee information, online payments and\n                    limited internal technology resources.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    SA\n                <\/span>\n\n                <h3>SaaS &amp; Technology<\/h3>\n\n                <p>\n                    Hosted data, customer platforms, application availability\n                    and contractual cybersecurity requirements.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    IN\n                <\/span>\n\n                <h3>Insurance Agencies<\/h3>\n\n                <p>\n                    Policyholder records, financial information, carrier\n                    portals and email-based transactions.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span class=\"mcy-industry-icon\">\n                    HS\n                <\/span>\n\n                <h3>Hospitality<\/h3>\n\n                <p>\n                    Reservation systems, guest records, payment cards and\n                    operational network dependence.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- RISK CONTROLS -->\n    <section class=\"mcy-controls\">\n\n        <div class=\"mcy-controls-container\">\n\n            <div class=\"mcy-controls-content\">\n\n                <span class=\"mcy-label mcy-label-light\">\n                    Cybersecurity controls\n                <\/span>\n\n                <h2>\n                    Strong security controls can improve insurability.\n                <\/h2>\n\n                <p>\n                    Insurance companies commonly review the systems and\n                    procedures a business uses to prevent, detect and respond\n                    to cyber incidents.\n                <\/p>\n\n                <div class=\"mcy-control-points\">\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Multifactor authentication\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Offline or protected backups\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Endpoint detection and response\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Email-security controls\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Employee phishing training\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Regular software patching\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Incident-response planning\n                    <\/span>\n\n                    <span>\n                        <i>\u2713<\/i>\n                        Vendor-risk management\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mcy-control-panel\">\n\n                <span class=\"mcy-control-panel-label\">\n                    Common underwriting priority\n                <\/span>\n\n                <div class=\"mcy-control-score\">\n\n                    <strong>\n                        MFA\n                    <\/strong>\n\n                    <span>\n                        Multifactor authentication\n                    <\/span>\n\n                <\/div>\n\n                <p>\n                    Multifactor authentication adds another verification step\n                    when users log in and can help reduce the risk of account\n                    takeover.\n                <\/p>\n\n                <div class=\"mcy-control-list\">\n\n                    <span>\n                        Email accounts\n                    <\/span>\n\n                    <span>\n                        Remote access\n                    <\/span>\n\n                    <span>\n                        Administrative accounts\n                    <\/span>\n\n                    <span>\n                        Cloud applications\n                    <\/span>\n\n                <\/div>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- UNDERWRITING -->\n    <section class=\"mcy-underwriting\">\n\n        <div class=\"mcy-underwriting-container\">\n\n            <div class=\"mcy-underwriting-content\">\n\n                <span class=\"mcy-label\">\n                    Cyber underwriting\n                <\/span>\n\n                <h2>\n                    What affects your cyber-insurance premium?\n                <\/h2>\n\n                <p>\n                    Pricing and eligibility depend on the business\u2019s size,\n                    industry, data, technology dependence, security controls,\n                    prior incidents and requested coverage.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mcy-button mcy-button-primary\">\n\n                    Request an Underwriting Review\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mcy-underwriting-grid\">\n\n                <article>\n\n                    <span>01<\/span>\n\n                    <h3>Annual Revenue<\/h3>\n\n                    <p>\n                        Revenue helps indicate the scale of operations and\n                        potential business-interruption exposure.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>02<\/span>\n\n                    <h3>Industry<\/h3>\n\n                    <p>\n                        Healthcare, financial, legal and technology businesses\n                        may have different risk characteristics.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>03<\/span>\n\n                    <h3>Data Collected<\/h3>\n\n                    <p>\n                        The amount and type of personal, medical, financial or\n                        confidential data can affect underwriting.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>04<\/span>\n\n                    <h3>Security Controls<\/h3>\n\n                    <p>\n                        MFA, backups, endpoint protection and employee training\n                        may influence eligibility and terms.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>05<\/span>\n\n                    <h3>Prior Incidents<\/h3>\n\n                    <p>\n                        Previous breaches, ransomware events and cyber claims\n                        are typically reviewed.\n                    <\/p>\n\n                <\/article>\n\n\n                <article>\n\n                    <span>06<\/span>\n\n                    <h3>Coverage Limits<\/h3>\n\n                    <p>\n                        Higher limits and broader cybercrime or interruption\n                        coverage generally affect the premium.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- PROCESS -->\n    <section class=\"mcy-section mcy-process\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                How we work\n            <\/span>\n\n            <h2>\n                Build your cyber program in\n                <span>three clear steps.<\/span>\n            <\/h2>\n\n            <p>\n                We review your digital exposure, compare available coverage and\n                help you understand the terms before binding.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-process-grid\">\n\n            <article class=\"mcy-process-card\">\n\n                <span class=\"mcy-process-number\">\n                    01\n                <\/span>\n\n                <span class=\"mcy-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 4h16v16H4Z\"><\/path>\n                        <path d=\"M8 9h8M8 13h8M8 17h5\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Complete the Cyber Application<\/h3>\n\n                <p>\n                    Tell us about your operations, revenue, data, systems,\n                    security practices and prior incidents.\n                <\/p>\n\n                <a href=\"\/contact-us\/\">\n                    Start your quote <span>\u2192<\/span>\n                <\/a>\n\n            <\/article>\n\n\n            <article class=\"mcy-process-card\">\n\n                <span class=\"mcy-process-number\">\n                    02\n                <\/span>\n\n                <span class=\"mcy-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M4 19V9M10 19V5M16 19v-7M22 19V3\"><\/path>\n                        <path d=\"M2 19h22\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Compare Cyber Options<\/h3>\n\n                <p>\n                    Review available limits, retentions, cybercrime options,\n                    interruption terms and security requirements.\n                <\/p>\n\n            <\/article>\n\n\n            <article class=\"mcy-process-card\">\n\n                <span class=\"mcy-process-number\">\n                    03\n                <\/span>\n\n                <span class=\"mcy-process-icon\">\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M12 3 4 7v5c0 5 3.4 9.7 8 11 4.6-1.3 8-6 8-11V7l-8-4Z\"><\/path>\n                        <path d=\"m9 12 2 2 4-4\"><\/path>\n                    <\/svg>\n\n                <\/span>\n\n                <h3>Review &amp; Bind<\/h3>\n\n                <p>\n                    Select your policy, complete any security requirements and\n                    receive your cyber-insurance documents.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- QUOTE REQUIREMENTS -->\n    <section class=\"mcy-quote-info\">\n\n        <div class=\"mcy-quote-info-container\">\n\n            <div class=\"mcy-quote-heading\">\n\n                <span class=\"mcy-label\">\n                    Prepare for your quote\n                <\/span>\n\n                <h2>\n                    What we may need to quote your cyber coverage.\n                <\/h2>\n\n                <p>\n                    Accurate information helps the insurance company evaluate\n                    your exposure and provide appropriate coverage terms.\n                <\/p>\n\n                <a href=\"\/contact-us\/\" class=\"mcy-button mcy-button-primary\">\n\n                    Start My Cyber Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n            <\/div>\n\n\n            <div class=\"mcy-requirements-grid\">\n\n                <article class=\"mcy-requirement\">\n\n                    <span>01<\/span>\n\n                    <h3>Business Information<\/h3>\n\n                    <p>\n                        Legal name, industry, annual revenue, employee count and\n                        description of operations.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mcy-requirement\">\n\n                    <span>02<\/span>\n\n                    <h3>Data Information<\/h3>\n\n                    <p>\n                        Types of personal, medical, financial or confidential\n                        information stored or processed.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mcy-requirement\">\n\n                    <span>03<\/span>\n\n                    <h3>Security Controls<\/h3>\n\n                    <p>\n                        Details about MFA, backups, endpoint security, email\n                        controls and employee training.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mcy-requirement\">\n\n                    <span>04<\/span>\n\n                    <h3>Technology Dependence<\/h3>\n\n                    <p>\n                        Critical applications, hosted systems, cloud providers,\n                        vendors and operational technology.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mcy-requirement\">\n\n                    <span>05<\/span>\n\n                    <h3>Cyber History<\/h3>\n\n                    <p>\n                        Prior breaches, ransomware incidents, claims and\n                        cybersecurity improvements.\n                    <\/p>\n\n                <\/article>\n\n\n                <article class=\"mcy-requirement\">\n\n                    <span>06<\/span>\n\n                    <h3>Coverage Requirements<\/h3>\n\n                    <p>\n                        Requested limits, contract requirements, deductibles,\n                        cybercrime coverage and business-interruption needs.\n                    <\/p>\n\n                <\/article>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- LIMITATIONS -->\n    <section class=\"mcy-section mcy-limitations\">\n\n        <div class=\"mcy-section-heading\">\n\n            <span class=\"mcy-label\">\n                Important policy considerations\n            <\/span>\n\n            <h2>\n                Cyber insurance does not replace\n                <span>good cybersecurity practices.<\/span>\n            <\/h2>\n\n            <p>\n                Every policy contains conditions, exclusions, sublimits and\n                security requirements that should be reviewed carefully.\n            <\/p>\n\n        <\/div>\n\n\n        <div class=\"mcy-limitation-grid\">\n\n            <article>\n\n                <span>01<\/span>\n\n                <h3>Known Incidents<\/h3>\n\n                <p>\n                    Breaches or circumstances known before the policy begins\n                    may not be covered.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>02<\/span>\n\n                <h3>Security Representations<\/h3>\n\n                <p>\n                    Incorrect application answers about security controls can\n                    affect coverage and claim handling.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>03<\/span>\n\n                <h3>Physical Property<\/h3>\n\n                <p>\n                    Damage to buildings, machinery or other physical property\n                    may require separate insurance.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>04<\/span>\n\n                <h3>Voluntary Payments<\/h3>\n\n                <p>\n                    Expenses or payments made without the carrier\u2019s approval\n                    may not be reimbursed.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>05<\/span>\n\n                <h3>Infrastructure Events<\/h3>\n\n                <p>\n                    Widespread utility, internet or infrastructure failures may\n                    be restricted or excluded.\n                <\/p>\n\n            <\/article>\n\n\n            <article>\n\n                <span>06<\/span>\n\n                <h3>Contractual Liability<\/h3>\n\n                <p>\n                    Some obligations accepted solely under a contract may not\n                    be covered unless specifically included.\n                <\/p>\n\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- CTA -->\n    <section class=\"mcy-cta\">\n\n        <div class=\"mcy-cta-container\">\n\n            <div>\n\n                <span class=\"mcy-label mcy-label-light\">\n                    Protect your digital operations\n                <\/span>\n\n                <h2>\n                    Ready to compare cyber-insurance options?\n                <\/h2>\n\n                <p>\n                    Start your quote online or call our team at\n                    <a href=\"tel:3054282005\">(305) 428-2005<\/a>.\n                <\/p>\n\n            <\/div>\n\n\n            <div class=\"mcy-cta-buttons\">\n\n                <a href=\"\/contact-us\/\" class=\"mcy-button mcy-button-white\">\n\n                    Get a Cyber Quote\n\n                    <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                        <path d=\"M5 12h14M13 6l6 6-6 6\"><\/path>\n                    <\/svg>\n\n                <\/a>\n\n                <a href=\"tel:3054282005\" class=\"mcy-button mcy-button-glass\">\n                    Call (305) 428-2005\n                <\/a>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n\n    <!-- FAQ -->\n    <section class=\"mcy-section mcy-faq\">\n\n        <div class=\"mcy-faq-layout\">\n\n            <div class=\"mcy-faq-heading\">\n\n                <span class=\"mcy-label\">\n                    Frequently asked questions\n                <\/span>\n\n                <h2>\n                    Cyber-insurance questions, answered.\n                <\/h2>\n\n                <p>\n                    Our team can help review your technology, data, security\n                    controls, cybercrime exposure and coverage requirements.\n                <\/p>\n\n                <div class=\"mcy-help-card\">\n\n                    <span>\n                        Need help evaluating your exposure?\n                    <\/span>\n\n                    <strong>\n                        Speak with a commercial insurance specialist.\n                    <\/strong>\n\n                    <a href=\"tel:3054282005\">\n                        Call (305) 428-2005 \u2192\n                    <\/a>\n\n                <\/div>\n\n            <\/div>\n\n\n            <div class=\"mcy-faq-list\">\n\n                <details>\n\n                    <summary>\n                        What is cyber insurance?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Cyber insurance helps protect a business from certain\n                        financial losses and liabilities arising from data\n                        breaches, cyberattacks, ransomware, network outages and\n                        other covered digital incidents.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Who should consider cyber insurance?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Businesses that use email, computers, cloud software,\n                        online payments or digital records may have cyber\n                        exposure. This includes businesses of nearly every size\n                        and industry.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Does general liability cover a data breach?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Standard general liability policies often provide little\n                        or no coverage for modern cyber and privacy incidents.\n                        A dedicated cyber policy is designed specifically for\n                        these exposures.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Does cyber insurance cover ransomware?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Many cyber policies include cyber-extortion coverage,\n                        incident-response services and data-restoration\n                        protection. Payments and services remain subject to\n                        policy terms, consent requirements and applicable law.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Does cyber insurance cover fraudulent wire transfers?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Coverage for fraudulent transfers or social-engineering\n                        losses may be available, but it is not automatically\n                        included in every cyber policy. Limits and verification\n                        requirements should be reviewed carefully.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is a cyber-insurance retention?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        A retention is the amount the insured must pay toward a\n                        covered loss before the insurance policy begins paying.\n                        It functions similarly to a deductible.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What is business-interruption coverage?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Cyber business-interruption coverage may help replace\n                        eligible lost income and pay extra expenses when a\n                        covered cyber incident causes a qualifying interruption\n                        of operations.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Does a policy cover incidents involving vendors?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Some policies include dependent-business interruption\n                        or contingent-system-failure coverage for certain\n                        incidents involving technology providers. Coverage\n                        varies significantly by policy.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        Why do insurance companies ask about MFA?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Multifactor authentication can reduce the likelihood of\n                        unauthorized account access. Insurers commonly review\n                        whether it is enabled for email, remote access,\n                        administrators and cloud applications.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        How much cyber insurance does my business need?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Appropriate limits depend on revenue, record count,\n                        potential interruption costs, contractual requirements,\n                        industry, legal exposure and the financial impact of a\n                        severe cyber event.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        How much does cyber insurance cost?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Premium depends on the business\u2019s revenue, industry,\n                        data, security controls, prior incidents, selected\n                        limits, retention and coverage options.\n                    <\/div>\n\n                <\/details>\n\n\n                <details>\n\n                    <summary>\n                        What should I do after discovering a cyber incident?\n                        <span>+<\/span>\n                    <\/summary>\n\n                    <div>\n                        Follow your incident-response plan and promptly contact\n                        the insurance company\u2019s cyber-response hotline. Avoid\n                        making payments, hiring vendors or sending customer\n                        notices without coordinating with the carrier and\n                        approved professionals.\n                    <\/div>\n\n                <\/details>\n\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cyber Insurance Digital protection for the modern business. Help protect your business from data breaches, ransomware, network interruptions, cybercrime and the financial impact of an unexpected digital incident. Quote Cyber Insurance Request a Call \u2713 Small and growing businesses \u2713 Multiple cyber markets \u2713 Incident-response support Cyber protection Coverage built around your risk 24\/7 Incident&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-264","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=264"}],"version-history":[{"count":17,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/264\/revisions"}],"predecessor-version":[{"id":1715,"href":"https:\/\/musasinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/264\/revisions\/1715"}],"wp:attachment":[{"href":"https:\/\/musasinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}