Release Date: April 9, 2026
Version: 1.0.3
Rankiteo Desktop App v1.0.3 introduces powerful new capabilities for modeling cyber insurance structures, enabling underwriters to handle coverage reinstatements and full excess towers with precision and clarity.
This release is inspired by recent market developments, including the expansion of Marsh’s Cyber ECHO facility, bringing real-world underwriting practices directly into the Rankiteo workflow.
🔁 Coverage Reinstatement
Coverage Reinstatement allows policy limits to be restored after a claim critical in today’s ransomware-heavy risk environment where a single event can exhaust coverage.
What’s Included
- Free 1st reinstatement toggle
Automatically restores the full policy limit after a claim, with a hazard-group-based uplift factor (1.05x–1.15x) applied to pricing. - Paid 2nd reinstatement toggle
Adds a second reinstatement at a configurable pre-agreed rate (default: 33% of annual premium). - Effective aggregate display
Clearly shows total available coverage including reinstatements
(e.g. 3 × $5M = $15M total capacity) - Premium breakdown transparency
Dedicated chips display:- Reinstatement 1 uplift
- Reinstatement 2 additional cost
- Risk Management Bursary badge
Highlighted for policies with premiums exceeding $1M. - Scenario modeling support
Reinstatement parameters are saved within scenarios for seamless what-if analysis.
Why It Matters
This feature directly addresses the aggregate exhaustion gap, where a single ransomware incident can fully consume a policy limit—leaving insureds exposed for subsequent losses.
🧱 Excess Layer Pricing
v1.0.3 introduces full support for modeling excess insurance layers, enabling underwriters to price and visualize complete coverage towers.
Key Capabilities
- ILF difference pricing method
Accurately prices excess layers (e.g. $10M xs $5M) using industry-standard increased limit factor methodology. - Flexible structure controls
- Attachment point selector
- Excess limit selector (up to $200M capacity)
- Coverage tower visualization
- Unified table showing:
- Primary layer
- Excess layers
- Total coverage
- Includes per-layer Rate-on-Line (ROL)
- Unified table showing:
- Multi-term premium display
- Excess premium cards for:
- 6 months
- 1 year
- 2 years
- Excess premium cards for:
- Premium breakdown insights
- Excess factor chip showing:
- Additional cost
- ROL percentage
- Excess factor chip showing:
- Alternative limit comparison grid
- Compare excess pricing across tiers from $5M to $200M
- Instantly evaluate ROL efficiency at different limits
Why It Matters
Underwriters can now model entire coverage towers (primary + excess) within a single interface—eliminating the need for external spreadsheets and improving pricing consistency.
🌍 Market Context
This release aligns with recent industry developments:
- Marsh expanded its Cyber ECHO facility to $200M capacity
- Introduced:
- Free 1st reinstatement
- Paid 2nd reinstatement options
These changes reflect a broader market shift toward higher capacity cyber programs and more flexible policy structures.
🎯 What This Unlocks
With v1.0.3, Rankiteo enables:
- More realistic modeling of modern cyber insurance programs
- Faster underwriting decisions with built-in tower pricing
- Clearer communication of coverage structures to brokers and clients
- Better risk management against multi-event cyber scenarios
🔄 Looking Ahead
Rankiteo continues to evolve toward a fully integrated AI-powered cyber underwriting platform, with deeper modeling, automation, and real-time intelligence across the insurance lifecycle.