Cyber Insurance: AI Market Discovery Index

Tracking how AI platforms recommend cyber insurance. This public AI Market Discovery Index is updated monthly since July 2026.

By Mark Huntley, J.D.Growth Strategist & AI Discovery Analyst

6 minutes read

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On this page

01Benchmark Summary
02Current Benchmark at a Glance
03Research Scope and Qualification
04Current Brand Standings
05How to Read the Standings
06Recommendation Coverage Movement
07Largest Decline: Coalition
08Largest Decline: At-Bay
09Largest Decline: AIG
10Additional Decliners
11Category Leader: Chubb
12Recommendation Placement Snapshot

Benchmark Summary

Chubb held the top position in valid recommendation coverage in August 2026 at 68.3%, up from 62.7% in July 2026. Chubb was the only tracked brand to post a coverage increase this month, though the size of that move falls within the range of typical month-to-month variation for a brand of its scale. The gap between Chubb and second-place Travelers widened to 16.5 percentage points in August 2026, from 2.2 points in July, as Travelers fell to 51.8% from 60.5% the prior month.

No brand posted a coverage increase large enough to stand out from normal month-to-month movement. The clearer pattern this month was on the decline side: five brands moved down by more than would be expected from ordinary month-to-month variation. Coalition posted the largest decline in the category, falling from 25.0% valid recommendation coverage in July 2026 to 7.9% in August 2026, a drop of 17.1 percentage points. Because July 2026 and August 2026 are the two months currently tracked in this series, this pattern establishes the baseline-to-current trajectory for the benchmark rather than confirming or reversing a longer run.

The benchmark began with 800 prompt-surface observations in each month and produced 139 qualified observations in August 2026 after qualification, down from 228 in July 2026.

AI recommendation trend

valid recommendation coverage, Jul 2026 to Aug 2026

Chubb+5.6%
Jul 202662.7%
Aug 202668.3%
Travelers-8.7%
Jul 202660.5%
Aug 202651.8%
Hiscox-0.2%
Jul 202649.1%
Aug 202648.9%
CNA-0.9%
Jul 20268.8%
Aug 20267.9%
Coalition-17.1% · beyond normal variation
Jul 202625.0%
Aug 20267.9%
AIG-7.7% · beyond normal variation
Jul 202614.9%
Aug 20267.2%
Beazley-3.8%
Jul 20268.8%
Aug 20265.0%
At-Bay-14.6% · beyond normal variation
Jul 202617.5%
Aug 20262.9%
AXA XL-6.8% · beyond normal variation
Jul 20269.7%
Aug 20262.9%
Cowbell Cyber-2.6% · beyond normal variation
Jul 20262.6%
Aug 20260.0%

Current Benchmark at a Glance

Measure	Jul 2026	Aug 2026	Movement
Qualified benchmark observations	228	139	Down 89
Tracked brands	10	10	No change
Qualified surface breadth	6	6	No change
Recommendation-shaped answer share	47.8%	48.2%	Up 0.4 points
Valid recommendation shortlist share	71.5%	54.7%	Down 16.8 points
Leader by valid recommendation coverage	Chubb	Chubb	No change

Qualified surface breadth counts the canonical AI surface families with at least one qualified observation: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. All six families qualified in both months.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Cyber Insurance

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design.

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Research stage	Jul 2026	Aug 2026	What it represents
Source prompt-surface observations	800	800	Total prompts across surfaces
Unique questions	522	522	Distinct questions asked
Brand / competitor mentions	800	800	Prompts mentioning a tracked brand
Relevant observations	274	274	On-topic responses
Irrelevant observations	526	526	Off-topic responses
Qualified benchmark observations	228	139	Public denominator

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. AI Market Discovery Methodology

Current Brand Standings

Brand	Presence rate	Valid recommendation coverage	Top-three rate	Rank-one rate	Net sentiment
Chubb	107.9%	68.3%	41.0%	22.3%	0.74
Travelers	86.3%	51.8%	26.6%	4.3%	0.68
Hiscox	58.3%	48.9%	27.3%	7.9%	0.84
CNA	25.2%	7.9%	2.9%	0.0%	0.49
Coalition	14.4%	7.9%	3.6%	0.0%	0.55
AIG	33.8%	7.2%	0.0%	0.0%	0.34
Beazley	12.2%	5.0%	2.2%	0.7%	0.59
AXA XL	10.8%	2.9%	0.7%	0.0%	0.40
At-Bay	6.5%	2.9%	0.7%	0.0%	0.56
Cowbell Cyber	0.0%	0.0%	0.0%	0.0%	0.00

How to Read the Standings

Presence rate: share of qualified observations where the brand appears in any capacity.
Valid recommendation coverage: share of qualified observations where the brand appears in a valid recommendation shortlist.
Top-three rate: share of observations where the brand appears among the top three recommended options.
Rank-one rate: share of observations where the brand is the first recommended option.
Net sentiment: positive mentions minus negative mentions, divided by total brand mentions.

For formulas and denominator rules, see AI Market Discovery Metric Definitions.

Recommendation Coverage Movement

Brand	Jul 2026	Aug 2026	Movement since baseline
AIG	14.9%	7.2%	Down 7.7 points
At-Bay	17.5%	2.9%	Down 14.6 points
AXA XL	9.7%	2.9%	Down 6.8 points
Beazley	8.8%	5.0%	Down 3.8 points
Chubb	62.7%	68.3%	Up 5.6 points
CNA	8.8%	7.9%	Down 0.9 points
Coalition	25.0%	7.9%	Down 17.1 points
Cowbell Cyber	2.6%	0.0%	Down 2.6 points
Hiscox	49.1%	48.9%	Down 0.2 points
Travelers	60.5%	51.8%	Down 8.7 points

Five brands showed movement beyond normal month-to-month variation in August 2026, and all five moved in the same direction — down. Beazley, CNA, Chubb, Hiscox, and Travelers moved within the range that the series treats as ordinary fluctuation.

Largest Decline: Coalition

Coalition fell from 25.0% valid recommendation coverage in July 2026 to 7.9% in August 2026, a drop of 17.1 percentage points. Presence rate declined from 31.1% to 14.4% over the same period, and top-three rate fell from 14.5% to 3.6%. Rank-one appearances dropped from 4.0% to 0.0% in August 2026.

Largest Decline: At-Bay

At-Bay fell from 17.5% valid recommendation coverage in July 2026 to 2.9% in August 2026, down 14.6 percentage points. Presence rate declined from 19.7% to 6.5%, and top-three rate fell from 4.8% to 0.7% across the same months.

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Largest Decline: AIG

AIG fell from 14.9% valid recommendation coverage in July 2026 to 7.2% in August 2026, down 7.7 percentage points. Top-three rate dropped from 3.1% to 0.0% over the same period, while presence rate held roughly steady at 33.8% in August 2026, compared with 32.5% in July 2026.

Additional Decliners

AXA XL fell from 9.7% valid recommendation coverage in July 2026 to 2.9% in August 2026, down 6.8 percentage points. Cowbell Cyber declined from 2.6% to 0.0% over the same months, with no qualified observations at all in August 2026.

Category Leader: Chubb

Chubb held the top position in valid recommendation coverage in August 2026 at 68.3%, compared with 62.7% in July 2026. It was the only brand in the category to record a coverage increase this month, though the size of that move falls within the range of typical month-to-month variation. Presence rate moved from 90.3% to 107.9%, meaning Chubb appeared more than once per qualified observation on average. Top-three rate reached 41.0% and rank-one rate reached 22.3% in August 2026.

Recommendation Placement Snapshot

Coverage alone does not show how prominently a brand is recommended. Chubb led both top-three and rank-one placement in August 2026, with Travelers and Hiscox clustered behind.

Brand	Aug 2026 top-three rate	Aug 2026 rank-one rate	Jul 2026 top-three rate	Jul 2026 rank-one rate
Chubb	41.0%	22.3%	39.0%	23.7%
Hiscox	27.3%	7.9%	26.8%	3.5%
Travelers	26.6%	4.3%	29.4%	3.1%

Hiscox and Travelers had nearly identical top-three rates in August 2026, yet Hiscox appeared first nearly twice as often as Travelers. Close coverage can still hide different first-position rates.

Buyer-Intent Distribution

All 139 qualified observations in August 2026 fell into the Brand Recommendation class.

Buyer-intent class	Jul 2026	Aug 2026
Brand Recommendation	228	139
Pricing & Value	0	0
Multi-Brand Comparison	0	0
Total qualified observations	228	139

The current public series measures brand-recommendation discovery and does not yet contain qualified observations in the pricing and value or multi-brand comparison classes.

Historical Measurement Record

Measurement	Qualified observations	Coverage leader	Leader coverage	Largest coverage movement
Jul 2026	228	Chubb	62.7%	N/A (baseline month)
Aug 2026	139	Chubb	68.3%	Coalition down 17.1 points (Jul→Aug)

Evidence and Source Layer

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure market share, attributable sales, every possible AI response, organic-search ranking, social mention volume, or private and sponsored channels. A metric movement alone does not establish causality.

About This Benchmark

The LLM Authority Index AI Market Discovery Index tracks how often and how prominently brands appear in AI-generated recommendations across six canonical AI surface families. It provides a neutral, repeatable measure of AI-driven brand discovery.

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