Carrier contribution
See which carrier books contribute to a concentration.
Reinsurance
See shared cyber exposure across the book and the evidence behind it.
VitalSec shows reinsurance teams where insureds share technology or service-provider dependencies, how strong the supporting evidence is, and what materially changes across the underlying book.
Concentration
Shared technology and provider dependencies
Evidence quality
How current and complete the supporting evidence is
Change
What materially moved across carrier and insured books
Shared exposure
Find concentrations that carrier totals can hide.
VitalSec helps reinsurance teams see which insureds share cloud, identity, technology, or service-provider dependencies, then trace that concentration back to the carriers, insureds, and evidence underneath it.
Carrier A’s bookUnderlying insureds
Carrier B’s bookUnderlying insureds
Shared dependenciesCloud · Identity · Technology · Service providers
Underlying insureds
See the organizations that actually share the dependency.
Evidence quality
Know how current and complete the supporting evidence is.
Material change
See when the concentration or the evidence behind it changes.
Reinsurance workspace
See the aggregate picture without losing the evidence underneath it.
Reinsurer Workspace
Portfolio, carrier relationships, insureds, shared dependencies, and reinsurance settings.
Risk compression
Compare current Risk Compression Index values and risk direction across underlying insureds.
Evidence Continuity
See the evidence behind the aggregate view and how current it is.
RiskBid
Relevant market activity from insured, broker, and carrier workflow.
Accumulation and drill-back
See the concentration. Then follow it all the way down.
VitalSec keeps the aggregate portfolio signal connected to the carrier books, underlying insureds, shared dependencies, and evidence that produced it.
Aggregate signal → carrier → dependency → insured → supporting evidence
Carrier A
Identity provider → Insured groups 1 + 2 → supporting evidence
Carrier B
Identity provider → Insured groups 1 + 2 → supporting evidence
Carrier B
Managed service → Insured group 4 → supporting evidence
Carrier C
Cloud platform → Insured group 3 → supporting evidence
01
Concentration
Which carrier books and insureds share the same technology or service-provider dependency?
02
Evidence quality
How current and complete is the evidence supporting the aggregate view?
03
Material change
What moved in the underlying book since the last review?
Carrier and program totals remain useful, but they no longer have to hide which underlying organizations and dependencies are driving the concentration.
Unknown evidence stays explicit. Missing evidence remains unknown rather than being treated as healthy.
Authority boundary
Reinsurance visibility stays limited to the portfolio and evidence the organization is authorized to review. It does not create permission to operate inside a carrier or insured environment.
Research & white papers
Related research
Selected PatientLock papers on the issues covered here.
White paper
Cyber Accumulation and Evidence Quality in Reinsurance
How evidence quality and shared dependency data can improve cyber accumulation review while preserving the distinction between operational telemetry, scenarios, and catastrophe modeling.
Central argument
Reinsurance cyber risk is not the sum of individual insured scores. Accumulation depends on shared technology, correlated failure modes, policy structure, event definition, and evidence quality across the underlying book.
Written for: Cyber reinsurers, accumulation managers, treaty underwriters, carrier portfolio leaders, and actuaries.
White paper
Cyber Portfolio Concentration Beyond Industry Codes
A dependency-focused approach to cyber portfolio concentration using shared cloud, identity, MSP, software, recovery, and evidence-quality dimensions alongside traditional segmentation.
Central argument
Cyber concentration is driven by shared digital dependencies as well as industry and geography. Portfolio analysis improves when common providers, technologies, and failure paths are visible beneath the insured hierarchy.
Written for: Reinsurance accumulation teams, treaty underwriters, carrier portfolio managers, and cyber modelers.
White paper
Treaty Cyber Risk and Operational Evidence
How normalized operational cyber evidence can support treaty review across unlike cedant books while keeping data coverage, actuarial inference, and carrier underwriting context explicit.
Central argument
Treaty review operates at portfolio scale, but aggregate cyber measures are only as interpretable as the evidence definitions, coverage, and uncertainty beneath them.
Written for: Treaty underwriters, cedant portfolio teams, reinsurance actuaries, and accumulation managers.
White paper
Systemic Cyber Dependencies and Reinsurance Scenarios
How to combine shared dependencies, resilience evidence, observed facts, scenario assumptions, and portfolio change into more inspectable systemic cyber stress tests.
Central argument
Systemic cyber scenarios are stronger when they connect a defined event to shared dependencies, operational resilience, policy structure, and evidence quality instead of assuming uniform loss across every exposed insured.
Written for: Cyber catastrophe modelers, reinsurers, accumulation teams, treaty underwriters, and carrier portfolio leaders.
Talk to Jim
Talk through it with Jim.
Talk to Jim about VitalSec for reinsurance: concentration, dependency accumulation, evidence quality, the Risk Compression Index, material change, and the underlying insured book.
Jim is based on PatientLock founder and CEO Jim Ford.