Specialists, not generalists

Hot Metal Insurance focuses on one line of coverage: cyber. That's the entire business. We don't sell auto, home, or life policies on the side, and we don't treat cyber as a bolt-on to a general liability quote. It's the core of what we do, which means we read every policy end to end, flag the exclusions that matter, and explain what's covered in plain language.

Our clients are small and mid-sized businesses: the companies that are the most exposed to cyber risk and the least prepared for it. A breach at this size isn't just expensive. It can close the doors. Our job is to make sure good coverage and a coordinated response are in place before anything happens.

Our job is to know the market, read the policies, and tell you plainly what covers what. Good insurance should feel routine. We do the work to keep it that way.