Everything you need to know about eSure.AI's cyber insurance and AI-powered protection. Find answers organized by category below.
General Questions
What does cyber liability insurance cover?
Our cyber liability insurance covers financial losses from data breaches, ransomware attacks, identity theft, online fraud, and cyber extortion. Coverage includes legal fees, notification costs, credit monitoring, and recovery expenses up to $1M depending on your plan.
How quickly can I get coverage?
Coverage begins immediately after enrollment. Our AI-powered onboarding process takes just 5 minutes, and you'll have full protection and access to our 24/7 security operations center right away.
What makes eSure.AI different from traditional cyber insurance?
Unlike traditional cyber insurance that only responds after an incident, eSure.AI provides proactive protection with real-time threat monitoring, AI-powered prevention, and immediate incident response. We combine insurance coverage with active cybersecurity defense.
Is there a deductible?
No deductibles on our plans. When you need coverage, you get the full benefit amount without out-of-pocket expenses. We believe in providing true protection when you need it most.
Can I cancel my plan at any time?
Yes, all plans are flexible with no long-term contracts.
Why not just antivirus?
Traditional antivirus solutions like Norton, McAfee, and Windows Defender only protect against known threats and are static in nature. They can't help you financially recover from a breach or provide expert incident response when you need it most.
Why not just insurance?
Traditional cyber insurance only pays out after damage is done. eSure.AI prevents breaches before they happen with advanced AI technology, and if something does happen, we're there to respond immediately.
Cyber Insurance & Claims
Why do traditional cyber insurance claims take so long?
Traditional insurers weren't built for cyber. They use paper processes designed for car accidents - lengthy investigations, third-party adjusters, bureaucratic approvals. We built our system digital-first with automated verification. When you file a claim, our system already has logs proving the incident. No waiting for investigators.
How can you offer $0 deductible when others charge $10K+?
Our prevention technology reduces claims by 94%. Fewer claims means we can pass savings to you as $0 deductibles. Traditional insurers have no prevention - they just write checks after disasters. We'd rather stop the disaster.
What's your claim approval rate so high compared to the industry?
We approve 98% of claims vs. the 60% industry average because we see the attack data ourselves. Traditional insurers rely on your word and often deny claims for 'insufficient evidence' or policy technicalities. Our platform documents everything automatically - there's no he-said-she-said.
Do you cover ransomware payments including Bitcoin?
Yes. We cover ransom payments up to your policy limit, including cryptocurrency conversion costs. We also provide negotiation experts who reduce ransom demands by an average of 47%. Many attackers inflate initial demands knowing companies will negotiate.
What if my vendor or supplier gets hacked and it affects my business?
Our policies include dependent business interruption coverage. If a key vendor's breach impacts your operations - say, your payment processor goes down - we cover your lost revenue during the disruption. This is often excluded by traditional insurers.
Is cyber insurance required for compliance?
Not legally required yet, but increasingly expected. Many enterprise clients now require vendors to carry cyber insurance. HIPAA and PCI DSS strongly recommend it. Having coverage shows customers and partners you take security seriously.
Small Business Protection
Can I really set this up without an IT person?
Absolutely. Our platform was designed for business owners, not tech experts. Installation takes 8 minutes on average - just download, enter your license key, and you're protected. We handle all updates, monitoring, and threat response automatically.
How does your protection compare to hiring IT help?
A part-time IT consultant costs $2,000-4,000/month. Our complete protection with insurance provides better security than most enterprises at a fraction of the cost of dedicated IT staff.
What if I'm not technical - will I understand the reports?
Our dashboard uses plain English, not security jargon. You'll see simple status indicators: green means protected, red means action needed. Monthly reports summarize threats blocked and your security posture in terms any business owner can understand.
Do you handle everything if we're attacked?
Yes. If a threat bypasses our prevention (rare), our incident response team takes over completely. We contain the threat, restore your systems, handle any regulatory notifications, and our insurance covers all costs including business interruption losses.
Can I add employees as my business grows?
Add users anytime for $15/month each - no contracts, no minimums. Protection activates in minutes. If you need to reduce users during slow periods, just update your plan. We scale with your business.
What makes this different from antivirus software?
Antivirus is one tool. We provide complete managed security: AI-powered protection, 24/7 monitoring by security experts, incident response, employee training, and cyber insurance. It's like having an entire security department without the headcount.
Ransomware Protection
How do you stop ransomware in 15 seconds when antivirus takes hours?
Traditional antivirus waits for files to execute, then scans signatures - by then, encryption has started. Our deep learning AI analyzes behavior pre-execution. We identify ransomware intent before the first file is touched and terminate the process in under 15 seconds.
What's automatic rollback and how does it work?
We continuously snapshot your files in the background (invisible to you). If ransomware somehow encrypts files, we instantly detect it and restore affected files to their pre-attack state. Recovery happens in minutes, not days - often before you even notice an attack.
Does insurance really cover ransom payments?
Yes. If our prevention fails (extremely rare) and you must pay a ransom, our insurance covers the payment up to $1M, including cryptocurrency conversion costs. We also provide expert negotiators who often reduce demands by 40-60%.
What if ransomware spreads before you detect it?
Our platform automatically quarantines infected devices within seconds, severing network connections to prevent lateral spread. In most cases, only 1-2 files are affected before we contain the attack - not thousands.
Can ransomware encrypt my backups too?
Not with us. Our backup storage is immutable - once written, files cannot be modified or deleted, even by ransomware with admin access. Backups are encrypted, offsite, and air-gapped from your network.
How do I know if I'm currently at risk?
We offer a free ransomware readiness assessment. Our team scans your environment for vulnerabilities ransomware exploits - unpatched systems, weak credentials, backup gaps - and gives you a prioritized remediation plan.
Home & Family Protection
How many family members and devices are covered?
Our Family plan covers unlimited family members and unlimited devices - phones, tablets, laptops, smart TVs, gaming consoles, everything. One subscription protects your entire household.
What's dark web monitoring and why do I need it?
Criminals sell stolen personal data on hidden 'dark web' marketplaces. We continuously scan these sites for your SSN, email, passwords, and credit cards. If we find your data, you're alerted immediately so you can act before criminals use it.
Can this protect my smart home devices?
Yes. Smart cameras, thermostats, doorbells, and speakers are often entry points for hackers. We monitor network traffic to detect compromised IoT devices and block attacks targeting your smart home.
What happens if my identity is actually stolen?
Our dedicated recovery specialists take over completely. They'll contact credit bureaus, banks, government agencies, and creditors on your behalf. Most cases resolved in 30-60 days. Insurance covers up to $250K in losses and recovery costs.
Is this better than the free protection my bank offers?
Bank monitoring only watches that one account. We monitor all three credit bureaus, the dark web, public records, social media impersonation, and all your devices. Plus we include prevention (antivirus, VPN, password manager) and insurance - banks offer none of that.
Will this slow down my devices or drain battery?
No. Our protection uses under 50MB of RAM and minimal CPU. You won't notice any slowdown. Mobile apps are optimized to preserve battery life while keeping you protected 24/7.
Do you offer protection for my family members?
Yes! Our Executive & VIP plans include coverage for family members and all their devices. Your loved ones get the same enterprise-grade protection with dedicated support and monitoring.
Technology & AI
What's the difference between deep learning and regular AI?
Traditional machine learning needs human-defined rules. Deep learning creates its own rules by analyzing billions of data points. Our deep learning identifies attack patterns that humans never anticipated - that's how we catch zero-days before anyone else.
How do you stop attacks in 15 seconds when EDR takes hours?
EDR waits for suspicious behavior, logs it, sends to analysts, who investigate and respond. Our deep learning predicts attacks pre-execution - we know it's ransomware before it runs. No human delay in the response loop.
What is unified threat correlation and why is it better than having separate tools?
Unified threat correlation connects signals across endpoints, network, email, and cloud. Separate tools see fragments; unified correlation sees the full attack path. A phishing email plus suspicious login plus unusual file access may look innocent separately but obviously malicious together.
Will this generate tons of alerts my team has to investigate?
No. Our AI reduces false positives by 90%. We use confidence scoring - only high-confidence threats create alerts. Low-confidence events are automatically investigated by our SOC, not your team.
Can this integrate with our existing SIEM?
Yes. Native integrations with Splunk, Microsoft Sentinel, IBM QRadar, and others. RESTful API for custom integrations. We enhance your SIEM with high-fidelity alerts, not noise.
What's your false positive rate?
Under 0.01% in independent testing. Our deep learning model is trained on 10B+ samples. Most tools have 1-5% false positive rates, drowning teams in noise. We're 100x better.
Remote Work Security
How is this different from a regular VPN?
Regular VPNs just encrypt traffic. Our zero-trust solution verifies every access request, checks device security before connecting, enforces MFA, and includes endpoint protection. VPNs alone leave major gaps.
Can employees use personal devices (BYOD) safely?
Yes. We containerize work data on personal devices - employees can access company resources without us touching their personal apps or photos. If they leave, we wipe only the work container.
What about compliance when people work from different states/countries?
Our solution maintains compliance regardless of location. All data stays encrypted, access is logged for audits, and policies follow the employee wherever they connect.
How do you handle lost or stolen devices?
Remote lock and wipe within minutes. If a laptop is stolen at a coffee shop, you can immediately revoke access and erase sensitive data before the thief can access anything.
Does this work with our existing tools (Slack, Google Workspace, etc)?
Yes. We integrate with 100+ SaaS apps including Slack, Google Workspace, Microsoft 365, Salesforce, and more. Single sign-on and conditional access policies apply across all your tools.
What training do remote employees need?
We include security awareness training tailored for remote work: recognizing phishing, safe WiFi practices, and handling sensitive data at home. Courses take 15 minutes/month and reduce incidents by 70%.