The Cyber Protection Gap Is A Distribution Problem

The reason is not reluctance to buy. Most small and mid-sized businesses understand that cyber risk is real. The reason is infrastructure. Most agencies lack the systems, the producer enablement, and the specialist depth to lead the cyber conversation with every commercial client, consistently, at every renewal.

That gap between what clients face and what they carry is the Cyber Protection Gap, and it lives inside the agency's own book.

In a typical agency of 1,000 commercial accounts, 800 have no cyber coverage. At an average premium of $3,500 per account, that is $2.8 million in uncaptured revenue sitting in your existing book. The opportunity is not in finding new clients. It is already in front of you.

80%+

$2.8M

Average uncaptured cyber revenue per agency book

of commercial agency books currently uncovered

Cybercrime exceeds $10 trillion annually.

Yet, over 80% of the average commercial books still don't have proper cyber coverage.

A Dedicated Cyber Department

Without the $200,000 hire.

Human-supervised AI manages the operational layer: organizing account data, surfacing coverage gaps across the book, and accelerating submissions.

Bringing a Cyber Practice Leader in-house costs an agency $150,000 to $250,000 a year. UKON delivers that bench at zero upfront cost, commission-aligned. We make money when you make money.

With UKON, our bench of elite cyber experts combines two things most agencies cannot build on their own:

Your producers lead the conversation. Your agency owns the relationship. UKON runs the infrastructure behind both.

Seasoned cyber underwriters and coverage specialists handle the technical depth: complex placements, carrier advocacy, co-selling on accounts that need an expert in the room.

UKON was built on the foundation of FifthWall Solutions, the first cyber-only wholesale specialist in the independent agency channel.

FifthWall was born from direct experience: our founder suffered a cyber incident, understood what was missing in the market, and built the company to fill it.

In the years that followed, we hired the sharpest cyber underwriters, coverage specialists, and practice leaders in the industry. That team is what agents access when they partner with UKON today.

One embedded practice.

The Cyber Practice Operating System

Who We Serve

Built for the Cyber Insurance Ecosystem

MSPs

AGENCY PRINCIPALS

PRODUCERS

Agency Principals who want cyber to generate revenue, not liability. The practice runs on your book, inside your agency, under your name. UKON supplies the infrastructure.

MSPs whose clients carry policies that do not reflect the security posture they have spent years building. UKON closes the gap between what you have constructed and what your coverage actually says.

Producers who need a system behind the conversation. Talk tracks, client-ready materials, and a specialist available when the questions go deep. Confidence increases coverage.

Protect. Retain. Grow.

PROTECT

Install defensible workflows and disciplined coverage positioning across your book. Reduce ambiguity. Reduce E&O exposure. When something happens, your agency was doing its job.

Own the cyber conversation with structure and clarity. Clients who are properly covered and regularly engaged stay anchored to the agency that got them there.

Convert uncovered accounts systematically. Cyber becomes a structured revenue stream driven by the clients you already have, not new logos you have yet to find.

RETAIN

GROW

Cyber Peace of Mind

Frequently Asked Questions

What is a Cyber Practice Operating System?

The infrastructure that allows an independent agency to run cyber as a managed, repeatable line of business. It combines book analysis, producer enablement, standardized workflows, carrier advocacy, specialist support, and claims coordination into a single embedded capability that operates continuously across the commercial book. UKON delivers this through its Cyber Practice Leadership model.

How does the commission model work?

We make money when you make money. When your client has the right policy with the right limits and is bound, UKON earns a commission. No upfront cost and no monthly retainer.

What is the Cyber Protection Gap?

Cyber Protection Gap is the distance between the digital exposure businesses actually carry and the financial protection they have in place. For most SMBs, that distance is significant. The constraint is not client willingness to buy. It is agency capacity to lead the conversation consistently, across every account, at the depth the risk requires.

How is UKON different from a traditional wholesaler?

A traditional wholesaler processes individual submissions and returns quotes. UKON does that inside a larger operating capability that includes book analysis, producer enablement, co-selling, and claims coordination. Agencies can access the wholesale desk for individual accounts and the full practice infrastructure for systematic book-level production.

We map what your book is carrying, show you where the gaps sit, and walk you through what the practice looks like inside an agency at your stage.

Not sure what you have or how it responds? Share a few details and we'll review your Tech E&O and agent alignment.

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