Resilience

Resilience

Resilience was co-founded by Vishaal Hariprasad, who applied his military and cybersecurity background to build a direct-risk-bearing insurance model. The firm operates from San Francisco and sells cyber insurance and technology errors-and-omissions coverage to enterprises across North America and Europe. Its founding thesis is that cyber risk is a financial problem, not just a technical one — so insurance should be the mechanism that forces better security decisions. Resilience underwrites policies for clients in healthcare, higher education, financial services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices, and pharmaceuticals. The firm structures its offering as a hybrid of software and risk capacity: clients get a quantified action plan for security improvements, and Resilience shares the downside on the insurance policy. It does not publicly disclose a fund structure or describe a third-party capital base beyond its own balance sheet. Its website cites case studies of a holding company cutting $10.4 million in extreme loss risk and a packaging company mitigating $7.2 million in cyber exposure through its continuous risk-assessment platform. The firm claims a 1:1 ratio of underwriters to cybersecurity experts, though it has not published a total headcount. Its leadership team includes George Kotsiopoulos as President of Insurance, Matthew Polly as Chief Revenue Officer, and Ann Irvine as Chief Data & Analytics Officer. Resilience maintains claims-reporting phone lines in the US, Canada, UK, and EU, indicating active policyholder servicing across multiple jurisdictions. It does not publicize any adjacent philanthropic vehicles or club affiliations. Resilience’s structural differentiator is its first-party risk sharing — it does not simply underwrite and offload cyber risk to reinsurers. Instead, it requires policyholders to follow a customized security roadmap, using actual claims data to refine both pricing and required controls. This feedback loop between loss experience and underwriting standards remains unusual in a market where many carriers treat cyber as a catastrophe exposure to be minimized rather than actively managed.