90% of cyber insurance claims happen because data exists in plaintext.

H33 eliminates plaintext. Claims eliminated.

Data breaches. Ransomware. Insider threats. Business email compromise. They all require one thing: readable data. H33 makes data unreadable — permanently — even during processing. Certification under HATS provides your underwriting team with independently verifiable evidence of continuous conformance.

Calculate Your Claim Reduction ↓ Watch the Demo

For carriers, MGAs, and reinsurers evaluating risk reduction technology.

CLAIM CATEGORY	% OF CLAIMS	H33 IMPACT
Data breach (plaintext stolen)	~40%	ELIMINATED
Ransomware	~25%	NEUTRALIZED
Business email compromise	~15%	BLOCKED
Insider threat	~10%	ELIMINATED
Third-party vendor breach	~10%	ELIMINATED
Total claims eliminated	~90%	STRUCTURAL RESET

How H33 eliminates each cyber insurance claim category

A data breach happens. The attacker finds ciphertext. The cyber insurance claim is never filed.

TRADITIONAL

Attacker breaches database

SQL injection, stolen credentials, insider access — the attack vector doesn't matter. They're in.

→

WITHOUT H33

2.8 million plaintext records

Names, SSNs, medical records, account numbers. All readable. Average claim: $4.45M (IBM 2023).

→

RESULT

$4.45M claim filed

Notification costs, legal fees, regulatory fines, credit monitoring, business interruption, reputation damage.

NOW WITH H33 + HATS

SAME ATTACK

Attacker breaches database

Same attack vector. Same vulnerability. They're in the same way.

→

WITH H33

2.8 million ciphertext records

Every field encrypted with FHE. Names: a7f2c9... SSNs: 3b8e1c... The attacker has noise. Computationally infeasible to decrypt.

→

RESULT

$0 claim filed

No regulated data exposed. No notification required. No legal liability. HATS certification provides independently verifiable evidence to the carrier that the standard's controls are satisfied.

Claims reduction calculator

How much would H33 save your cyber insurance portfolio?

Enter your book metrics. See the projected claim reduction if every policyholder ran H33.

Annual claims paid out

Number of policyholders

Average premium per policy

$45,000,000

Projected claims eliminated

60%

New loss ratio

$30,000,000

Additional underwriting profit

Talk to Our Insurance Team

HATS — Continuous compliance monitoring

Your cyber insurance underwriters see this. In real time.

HATS monitors every policyholder's encryption status continuously. Not annually. Not quarterly. Every minute. Cryptographically verified.

HATS Carrier Dashboard — Acme Insurance Co.

Last verified: just now

487

Policyholders Protected

99.4%

Encryption Coverage

Policies Needing Attention

Claims This Quarter

POLICYHOLDER STATUS

First National Bank

ALL DATA ENCRYPTED · FHE ACTIVE · DILITHIUM SIGNED

Metro Health Systems

ALL PHI ENCRYPTED · HIPAA VERIFIED · ZK PROOFS ACTIVE

Pacific Insurance Group

ALL PII ENCRYPTED · FHE ACTIVE · COMPLIANCE VERIFIED

Apex Financial Services

3 TABLES PENDING ENCRYPTION · AUTO-REMEDIATION IN PROGRESS

Sunrise Credit Union

ALL DATA ENCRYPTED · POST-QUANTUM SIGNATURES ACTIVE

Valley Medical Center

ALL PHI ENCRYPTED · BIOMETRIC AUTH ACTIVE · ZERO PLAINTEXT

Every status is cryptographically verified. HATS doesn't ask policyholders if they're protected — it proves it mathematically using ZK-STARK attestations.

For carriers

The cyber insurance business case is simple.

90%

Claim categories eliminated

80%

Premium discount possible

Real-time

HATS compliance monitoring

To start — free for policyholders

For underwriters

HATS gives you real-time cryptographic proof that a policyholder's data is encrypted. Not a questionnaire. Not a self-assessment. Mathematical proof. If encryption coverage drops below threshold, you know immediately — not at renewal.

For policyholders

H33 is free to start. 1,000 free authentications. No credit card. No infrastructure changes. One API call wraps your existing database with post-quantum encryption. Your carrier can offer dramatically lower premiums because your risk is mathematically lower.

This isn't incremental cyber insurance risk reduction.
It's a structural reset.

If 90% of claims never happen, everything about cyber insurance changes. We'd like to show you the math.