ABOUT

What Is Cyber Insurance

$10T in cybercrime. $20B insured. One gap.

An Educational Guide for Agents, MSPs, and Small Businesses

It Started With A Breach

Our founder experienced one firsthand.

In 2015, Doug Wright's prior business suffered a cyber attack. Systems failed. Revenue stalled.

Insurance existed and advisors were involved, but when the claim unfolded, coordination broke down and the process felt improvised rather than structured.

Coverage had been purchased. Protection had not been operationalized.

That experience exposed something bigger than one company's bad outcome.

If a business that believed it was protected could experience that level of confusion, how many others were carrying the same false confidence? How many policies would hold up under real scrutiny? How many small businesses were operating with no meaningful protection at all?

In 2016, Doug founded FifthWall Solutions as the first dedicated cyber-only wholesale specialist in the independent agency channel.

The premise: bring genuine underwriting expertise and carrier discipline to a line being treated as a specialty add-on by generalists not equipped to deliver it.

FifthWall built direct relationships with more than 50 cyber and Tech E&O carriers, hired specialists whose entire practice was the line, and expanded into MSP education and direct engagement.

Each phase added depth. Each phase revealed the same constraint from a different angle.

The accounts that reached a specialist's desk got placed well. The problem was everything that never reached the desk.

What A Decade of Wholesale Reveals

The placement problem was solvable. The distribution problem was not.

Producers were engaging cyber late, inconsistently, and without the confidence the line requires. Agencies had no standardized workflow, no renewal discipline, and no internal owner for the line. Carrier access and channel education improved the quality of individual submissions. Neither moved the volume of conversations that were never happening.

The constraint was structural. It lived inside the operating model of the agency itself.

Trusted Across the Cyber Market

In 2025, FifthWall Solutions rebranded as UKON.

The name is a direct reference to the Yukon Territory, one of the most expansive and previously uncharted wilderness regions in North America.

Before it was mapped, the Yukon required the same things cyber insurance requires today: the right guide, the right gear, and the discipline to navigate terrain that most people avoid because it looks too complex to cross.

From FifthWall To UKON

A new name for the cyber frontier.

The primary wordmark carries that identity forward. The icon, called The Needle, is a compass needle in motion. It points toward the cyber frontier and toward the agencies and technology professionals ready to lead across it.

The brand language follows the same terrain: trail, navigation, north star, frontier. Not as decoration but as a framework for what UKON actually does. We chart the territory so the agencies we partner with can move through it with confidence.

The rebrand was not cosmetic. It reflected a fundamental shift in what the company had become and what it was built to do next.

The Cyber Protection Gap

Cybercrime exceeds $10 trillion annually. Over 80 percent of the average commercial book still has no proper cyber coverage.

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

A distribution problem, not a market failure.

The Cyber Practice Operating System

Bringing a Cyber Practice Leader in-house costs an agency $150,000 to $250,000 a year. Most agencies cannot justify it. Most never build the practice as a result.

UKON delivers that capability at zero upfront cost, commission-aligned, operational within three weeks. Agency principals get a structured practice that generates revenue and reduces E&O exposure. Producers get talk tracks, client-facing tools, and a specialist bench. The wholesale capability FifthWall spent a decade building became the transaction engine. Cyber Practice Leadership became the operating layer that runs across the full commercial book.

Human-supervised AI handles the operational layer. Seasoned cyber specialists handle the technical depth. The agency retains full ownership of every client relationship.

A dedicated cyber department without the $200,000 hire. Commission-aligned. Operational within three weeks.

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

Reid Wellock

president, coo

Let's Connect

Mattthew Hightower

CEO

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Scott Kincaid

CFO

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UKON is led by cybersecurity practitioners, insurance veterans, and operational leaders with experience spanning cybersecurity operations, wholesale insurance, carrier environments, and agency growth.

Leadership Team

Frequently Asked Questions

What is UKON?

UKON is the Cyber Practice Operating System for independent insurance agencies, combining human-supervised AI with a bench of seasoned cyber specialists, commission-aligned at zero upfront cost. UKON also operates a wholesale placement desk with access to 50-plus specialty markets and a Cybersecurity Alignment practice for MSPs and technology professionals.

What is FifthWall Solutions?

The predecessor to UKON, founded in 2016 by Doug Wright as the first cyber-only wholesale specialist in the independent agency channel. The evolution from FifthWall to UKON reflects a decade of practice revealing that wholesale transactions alone could not close a structural distribution problem.

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.

A Cyber Practice Audit, a Wholesale Placement, a Risk Spectrum Assessment. We map what your book is carrying, show you where the gaps sit, and walk you through what the practice looks like.

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

Trusted by over 100 agents and MSPs. UKON's digital hub for cyber risk, liability, and Cyber Practice Leadership, with insights, case studies, and webinar updates.

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