Full Spectrum Cyber
Beazley's integrated cyber product combining insurance coverage, in-house incident response and proactive services; acquired by Zurich.
Last refreshed: 30 April 2026 · Appears in 1 active topic
When Beazley sold to Zurich, did incident response leave the insurance policy?
Timeline for Full Spectrum Cyber
Beazley shareholders clear Zurich's £8.1bn bid
Cybersecurity: Threats and Defences- What is Full Spectrum Cyber?
- A cyber-insurance product from Beazley that bundles breach coverage, Incident Response and proactive security services into one proposition.Source: Beazley
- Who owns Full Spectrum Cyber now?
- Zurich Insurance acquired Beazley in April 2026, bringing Full Spectrum Cyber and its incident-response team under Swiss ownership.Source: CNBC
- Does cyber insurance include incident response?
- Full Spectrum Cyber does, bundling coverage with Beazley's in-house response team. Most traditional cyber policies outsource response to third parties.Source: The Insurer
Background
Full Spectrum Cyber bundles three layers: cyber-insurance coverage, in-house Incident Response capability, and proactive security services. It represents the Lloyd's market's shift from covering loss after the fact to embedding operational control during active response. Beazley launched the proposition ~2018-2020 as cyber breaches became commoditised, making the speed of response a competitive moat. The product line is sold alongside traditional cyber-insurance policies and has become the named carrier for organisations that want their insurer to double as their first responder.
On 22 April 2026, Zurich Insurance completed its $10.9 billion acquisition of Beazley, folding Full Spectrum Cyber and its in-house response team under Swiss consolidated ownership . The transaction represents the largest cyber-insurance acquisition of 2026 and marks a structural shift in UK Lloyd's market consolidation: the insurance product and the operational capability to deploy it (Incident Response staff, playbooks, containment tooling) moved from UK to Swiss ownership in a single transaction. For Beazley's existing customers, the question is whether the in-house response model persists through integration or whether Zurich opts for a third-party incident-response supply chain.