On-demand cyber insurance policies for SMBs—activate in seconds, pay per risk.
Small business owners face high insurance premiums for generic packages that fail to provide affordable, customizable coverage for niche risks like cyber threats.
InstantCyberCover offers pay-per-incident cyber policies activated via app for immediate niche coverage like supply chain hacks. No annual commitments; scale coverage dynamically. Instant claims via photo upload and AI verification keep you protected without premiums eating profits.
Small and medium-sized business owners (SMBs)
True micro-policies (hours/days duration) for sporadic risks, unlike rigid yearly plans.
friendly
One-tap activate coverage for upcoming events/risks.
Pre-defined cyber scenarios with instant pricing.
Pre-fund wallet for seamless activations.
Photo upload + AI verifies and pays out.
Track policies, spends, savings vs traditional.
Push notifications for emerging threats.
Cover multiple sites/assets at once.
Compare to annual policies.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| wallet_balance | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| risk_type | text | No |
| duration_hours | int | No |
| status | text | No |
| activated_at | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| policy_id | uuid | No |
| payout_amount | int | No |
| ai_verified | bool | No |
| processed_at | timestamp | Yes |
Relationships:
/api/activate-policyCreate and activate policy
/api/policiesList user policies
/api/claimsSubmit claim for AI review
/api/wallet/topupAdd funds via Stripe
/api/risksAvailable risk types
No activations
10 policies/mo
None
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 2.5% | $60 | $720 |
| Month 6 | 700 | 4.5% | $630 | $7,560 |
Activate instant policies for SMB risks, claim in seconds.
Target event organizers via Eventbrite forums; run FB ads to SMBs with 'cyber insurance trial'; validate with 5 free wallet credits to LinkedIn connections.
Active monitoring
Fixed terms, high min premiums
On-demand micro-duration beats annual commitments
Data from usage patterns improves AI claims, locking in users.
Gig economy SMBs boom with episodic risks; AI claims tech mature in 2024.
AI claim fraud
Human review threshold + ML training
Policy validity disputes
Clear ToS + underwriter partnership
Success: $500 revenue
Success: 20% repeat
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