# Cyber Defense Agent — Full Content > Cyber insurance readiness and lead generation platform. 100% free. --- ## Overview Cyber Defense Agent is a free cyber insurance readiness platform that helps SMBs get insured. It runs a 60-second external scan on any business domain, generates a Cyber Defense Score (A-F letter grade plus 0-100 numerical score) mapped to cyber insurance underwriting criteria, and matches businesses with cyber insurance carriers. Everything is completely free — free scan, free score, free quote matching. No paid tiers, no credit card required. The platform is purpose-built for SMBs with 10-500 employees across regulated industries. Businesses scan their domain, see exactly what cyber insurance underwriters look for, fix gaps, and get matched with carriers — all at no cost. --- ## The Problem Cyber insurance is now essential, but getting coverage is harder than ever. - 96% of cyber insurers now mandate enforced MFA - 41% of cyber insurance applications are denied on first submission - 3 of 4 carriers run external attack surface scans during underwriting - The average cost of a data breach for SMBs is $4.88M (2024 IBM report) Businesses need to know where they stand before they apply. Cyber Defense Agent gives them that answer in 60 seconds — completely free — and then connects them with carriers who can write the policy. --- ## How It Works ### Step 1: SCAN Enter your domain. Cyber Defense Agent runs a 60-second external scan covering email authentication (SPF/DKIM/DMARC), TLS/SSL configuration, HTTP security headers, DNS security, and open port exposure. No installation required. Completely free. ### Step 2: SCORE A-F letter grade plus 0-100 numerical score mapped to cyber insurance underwriting criteria. The score tells you exactly what carriers look for and where your gaps are. Categories include email authentication, encryption, web security, DNS configuration, and network exposure. ### Step 3: GET INSURED Based on your industry, location, company size, and readiness score, Cyber Defense Agent matches you with cyber insurance carriers and brokers. Submit a quote request directly from the platform. Free matching, no obligation. --- ## Insurance Tools ### Readiness Index URL: https://cyberdefenseagent.ai/readiness-index The Readiness Index shows industry-level benchmarks for cyber insurance readiness. See how businesses in your industry score on average, what the top performers look like, and what underwriters expect for each industry vertical. Updated continuously from aggregated scan data. ### Breach Cost Calculator URL: https://cyberdefenseagent.ai/tools/breach-cost-calculator Estimate your potential breach costs based on your industry, company size, number of records, and data types. The calculator uses published breach cost data to project your exposure and helps you understand the financial case for cyber insurance coverage. ### Blog URL: https://cyberdefenseagent.ai/blog Cyber insurance news, readiness tips, carrier updates, and industry analysis. Covers topics like application best practices, what underwriters look for, how to lower premiums, and regulatory changes affecting cyber insurance requirements. ### Broker Network Cyber Defense Agent partners with insurance brokers and agencies across the United States. Brokers receive pre-qualified leads with readiness scores attached, making underwriting faster and placement rates higher. Brokers can sign up at: https://cyberdefenseagent.ai/partners/broker-signup --- ## Industries Served ### Law Firms 5-50 attorneys. Malpractice insurers increasingly require demonstrated cybersecurity controls. State bar ethics rules mandate protection of client data. Cyber Defense Agent scans the firm, scores readiness, and connects them with cyber liability carriers who specialize in legal. ### CPAs & Accountants The FTC Safeguards Rule mandates that financial institutions, including tax preparers and CPAs, implement comprehensive information security programs. Cyber Defense Agent maps directly to FTC requirements and helps CPAs get cyber insurance that satisfies client and regulatory expectations. ### Insurance Agencies The NAIC Insurance Data Security Model Law requires insurance licensees to maintain information security programs. Insurance agencies need cyber liability coverage themselves. Cyber Defense Agent provides the readiness assessment and carrier matching these agencies need. ### RIAs & Financial Advisors The SEC cybersecurity rule requires registered investment advisors to adopt written cybersecurity policies and report significant incidents. Cyber Defense Agent helps RIAs assess their readiness and get matched with cyber liability carriers familiar with financial services. ### Government Contractors NIST 800-171 and CMMC compliance is required for contractors handling Controlled Unclassified Information (CUI). Government contractors face unique cyber insurance requirements. Cyber Defense Agent assesses readiness and connects contractors with specialized carriers. ### SaaS Companies SaaS companies hold customer data and face significant breach exposure. Enterprise buyers require security evidence before signing contracts. Cyber Defense Agent helps SaaS companies understand their insurance readiness and get coverage for data breach liability. ### Medical Practices HIPAA Security Rule compliance and cyber liability insurance are both essential for medical practices. Cyber Defense Agent scans for the controls that healthcare-specialized carriers require and matches practices with appropriate coverage. ### Dental Practices Dental practices face the same HIPAA requirements as medical practices but often lack dedicated IT. Cyber Defense Agent provides a simple scan and score that helps dental practices understand their readiness and get insured. ### Manufacturers OT/IT convergence creates new cyber risk for manufacturers. Ransomware attacks targeting manufacturing have surged. Cyber Defense Agent assesses the external attack surface and connects manufacturers with carriers experienced in industrial cyber risk. ### Nonprofits Nonprofits handle donor data, payment information, and sometimes health records. Cyber Defense Agent helps nonprofits assess their readiness and find affordable cyber liability coverage. ### Telehealth Providers HIPAA compliance for digital health platforms, virtual care, and remote patient monitoring. Telehealth providers face unique cyber risks from video platforms, patient portals, and EHR integrations. Cyber Defense Agent helps telehealth companies assess readiness and get insured through our sister company HIPAA Agent. ### Healthcare Tech Companies HIPAA compliance for EHR vendors, health apps, and healthcare SaaS platforms. Healthcare tech companies hold PHI at scale and face significant breach exposure. Cyber Defense Agent assesses the external attack surface and connects healthcare tech firms with specialized carriers. ### Chiropractors Chiropractic offices face the same HIPAA requirements as medical practices but typically have smaller IT budgets. Cyber Defense Agent provides simple scan-based readiness assessment and connects chiropractors with affordable cyber liability coverage through HIPAA Agent. ### Nurse Staffing Agencies Nurse staffing agencies handle employee PHI, credentials, and client facility data across multiple locations. HIPAA compliance and cyber liability insurance are essential. Cyber Defense Agent assesses readiness and matches staffing agencies with carriers through HIPAA Agent. ### AI Health Companies AI-powered health platforms, clinical decision support, and health analytics companies face HIPAA requirements plus emerging AI regulation. Cyber Defense Agent helps AI health companies assess their security posture and qualify for cyber liability coverage through HIPAA Agent. ### Marketing Agencies Marketing agencies handle client brand data, credentials, ad accounts, and customer lists. Enterprise clients increasingly require demonstrated security controls and cyber insurance as a condition of engagement. Cyber Defense Agent scans the agency, scores readiness, and matches them with carriers. ### EdTech Companies EdTech companies must comply with FERPA and COPPA to protect student data. School districts require security assessments before procurement. Cyber Defense Agent helps EdTech firms demonstrate compliance and qualify for cyber liability insurance covering student data breaches. ### Real Estate Firms Real estate firms are prime targets for wire fraud and business email compromise. Cyber Defense Agent scans for the email authentication and encryption controls that prevent wire fraud and helps real estate firms qualify for cyber liability insurance. ### Title Companies Title and settlement companies handle escrow funds and are frequent targets of wire fraud schemes. ALTA Best Practices require demonstrated cybersecurity controls. Cyber Defense Agent assesses readiness and connects title companies with carriers covering wire fraud and data breach liability. ### Auto Dealers The FTC Safeguards Rule requires auto dealers to implement comprehensive information security programs. Dealerships handle customer financial data (credit applications, SSNs) and face significant breach exposure. Cyber Defense Agent maps readiness to FTC requirements and matches dealers with carriers. ### Industry Pages - Law Firms: https://cyberdefenseagent.ai/industries/law-firm-cybersecurity - CPAs & Accountants: https://cyberdefenseagent.ai/industries/cpa-data-security - Insurance Agencies: https://cyberdefenseagent.ai/industries/insurance-agency-cybersecurity - RIAs & Financial Advisors: https://cyberdefenseagent.ai/industries/ria-cybersecurity - Government Contractors: https://cyberdefenseagent.ai/industries/government-contractor-cybersecurity - SaaS Pre-SOC 2: https://cyberdefenseagent.ai/industries/saas-soc-2-readiness - Medical Practices: https://cyberdefenseagent.ai/industries/medical-practice-cybersecurity - Dental Practices: https://cyberdefenseagent.ai/industries/dental-practice-cybersecurity - Telehealth: https://cyberdefenseagent.ai/industries/telehealth-cybersecurity - Healthcare Tech: https://cyberdefenseagent.ai/industries/healthcare-tech-cybersecurity - Chiropractors: https://cyberdefenseagent.ai/industries/chiropractic-cybersecurity - Nurse Staffing: https://cyberdefenseagent.ai/industries/nurse-staffing-cybersecurity - AI Health Companies: https://cyberdefenseagent.ai/industries/ai-health-cybersecurity - Marketing Agencies: https://cyberdefenseagent.ai/industries/marketing-agency-cybersecurity - Manufacturers: https://cyberdefenseagent.ai/industries/manufacturing-cybersecurity - Nonprofits: https://cyberdefenseagent.ai/industries/nonprofit-cybersecurity - EdTech: https://cyberdefenseagent.ai/industries/edtech-cybersecurity - Real Estate: https://cyberdefenseagent.ai/industries/real-estate-cybersecurity - Title Companies: https://cyberdefenseagent.ai/industries/title-company-cybersecurity - Auto Dealers: https://cyberdefenseagent.ai/industries/auto-dealer-cybersecurity - All Industries: https://cyberdefenseagent.ai/industries --- ## Compliance Guides Cyber Defense Agent publishes in-depth compliance guides covering regulatory frameworks, cyber insurance, security controls, vendor questionnaires, and industry-specific requirements. Each guide includes expert analysis, actionable checklists, and FAQ content. ### Regulatory Frameworks - FTC Safeguards Rule Compliance: https://cyberdefenseagent.ai/guides/ftc-safeguards-rule-compliance - FTC Safeguards Rule Penalties: https://cyberdefenseagent.ai/guides/ftc-safeguards-rule-penalties - FTC Safeguards Rule Checklist for CPAs: https://cyberdefenseagent.ai/guides/ftc-safeguards-rule-checklist-cpa ### Cyber Insurance - Cyber Insurance Security Questionnaire Guide: https://cyberdefenseagent.ai/guides/cyber-insurance-security-questionnaire - How to Lower Your Cyber Insurance Premium: https://cyberdefenseagent.ai/guides/lower-cyber-insurance-premium - Cyber Insurance Requirements 2026: https://cyberdefenseagent.ai/guides/cyber-insurance-requirements-2026 - Cyber Insurance Application Denied: https://cyberdefenseagent.ai/guides/cyber-insurance-application-denied ### Security Controls - MFA Enforcement Guide: https://cyberdefenseagent.ai/guides/mfa-enforcement - EDR for Small Businesses: https://cyberdefenseagent.ai/guides/endpoint-detection-response-smb - Incident Response Plan Template: https://cyberdefenseagent.ai/guides/incident-response-plan-template ### Vendor Questionnaires - Vendor Security Questionnaire Guide: https://cyberdefenseagent.ai/guides/vendor-security-questionnaire-guide - SIG Questionnaire Guide: https://cyberdefenseagent.ai/guides/sig-questionnaire-guide - SOC 2 Vendor Assessment: https://cyberdefenseagent.ai/guides/soc-2-vendor-assessment - Security Questionnaire Automation: https://cyberdefenseagent.ai/guides/security-questionnaire-automation - Third-Party Risk Management: https://cyberdefenseagent.ai/guides/third-party-risk-management --- ## How-To Guides Step-by-step technical guides for implementing cybersecurity controls that cyber insurance carriers require: - How to Set Up SPF Record: https://cyberdefenseagent.ai/how-to/how-to-set-up-spf-record - How to Configure DKIM: https://cyberdefenseagent.ai/how-to/how-to-configure-dkim - How to Set Up DMARC: https://cyberdefenseagent.ai/how-to/how-to-set-up-dmarc - How to Enforce MFA in Microsoft 365: https://cyberdefenseagent.ai/how-to/how-to-enforce-mfa-microsoft-365 - How to Enforce MFA in Google Workspace: https://cyberdefenseagent.ai/how-to/how-to-enforce-mfa-google-workspace - How to Create an Incident Response Plan: https://cyberdefenseagent.ai/how-to/how-to-create-incident-response-plan - How to Set Up EDR: https://cyberdefenseagent.ai/how-to/how-to-set-up-edr - How to Prepare for Cyber Insurance: https://cyberdefenseagent.ai/how-to/how-to-prepare-for-cyber-insurance - How to Prepare for SOC 2 Audit: https://cyberdefenseagent.ai/how-to/how-to-prepare-for-soc-2-audit --- ## Cybersecurity Glossary 40+ cybersecurity terms explained for SMBs, covering MFA, EDR, DMARC, zero trust, ransomware, phishing, BEC, SIEM, SOC 2, NIST CSF, CIS Controls, and more. Each term includes a definition, detailed explanation, why it matters for SMBs, and how it affects cyber insurance readiness. Browse: https://cyberdefenseagent.ai/glossary/multi-factor-authentication --- ## Location Pages Cyber Defense Agent serves businesses in 100+ US cities across all 50 states and 10 industries (1,000+ location pages). Each location page provides local regulatory context, state privacy laws, breach notification requirements, and industry-specific cyber liability insurance guidance. Example: https://cyberdefenseagent.ai/locations/new-york/law-firm-cybersecurity --- ## Scoring Methodology The Cyber Defense Score evaluates a business domain across 5 categories that directly map to what cyber insurance underwriters assess during the application and renewal process: ### 1. Email Authentication SPF, DKIM, and DMARC configuration. Carriers check this because business email compromise (BEC) is the #1 cause of cyber insurance claims. ### 2. TLS / Encryption SSL/TLS certificate validity, protocol versions, cipher strength. Carriers require encryption in transit for all customer-facing services. ### 3. HTTP Security Headers Content-Security-Policy, X-Frame-Options, Strict-Transport-Security, and other headers. These prevent common web application attacks. ### 4. DNS Security DNSSEC, CAA records, nameserver configuration. DNS hijacking and spoofing are growing attack vectors that carriers evaluate. ### 5. Network Exposure Open ports, exposed services, unnecessary attack surface. Carriers penalize businesses with unnecessarily exposed services. Each category contributes to the overall 0-100 score. The letter grade (A-F) maps to insurance readiness as follows: - A (90-100): Excellent. Likely to qualify for preferred rates. - B (75-89): Good. Should qualify for standard coverage. - C (60-74): Fair. May face higher premiums or coverage exclusions. - D (40-59): Poor. Likely to be declined or face significant exclusions. - F (0-39): Failing. Will be declined by most carriers. Immediate remediation needed. --- ## Pricing Everything is free. No paid tiers. No credit card required. No trial period. - Free external scan - Free Cyber Defense Score - Free readiness report - Free quote matching with insurance carriers - Free Readiness Index benchmarks - Free Breach Cost Calculator - Free blog content and guides Cyber Defense Agent is funded through its broker network. When a business gets matched with a carrier and binds a policy, the broker pays a referral fee. The business never pays anything. --- ## Company Cyber Defense Agent Website: https://cyberdefenseagent.ai Contact: info@cyberdefenseagent.ai Get a Quote: https://cyberdefenseagent.ai/get-quote (c) 2026 All rights reserved. --- ## Legal - Privacy Policy: https://cyberdefenseagent.ai/privacy - Terms of Service: https://cyberdefenseagent.ai/terms --- ## Contact - Email: info@cyberdefenseagent.ai - Website: https://cyberdefenseagent.ai - Free scan: https://cyberdefenseagent.ai/check - Get a quote: https://cyberdefenseagent.ai/get-quote - Broker signup: https://cyberdefenseagent.ai/partners/broker-signup - All industries: https://cyberdefenseagent.ai/industries - All locations: https://cyberdefenseagent.ai/locations