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 Increase: Hiscox Usa
08Largest Decline: Hiscox
09Category Leader: Chubb
10Stable Brands
11Recommendation Placement Snapshot
12Buyer-Intent Distribution

Benchmark Summary

Chubb led the category in valid recommendation coverage in September 2026 at 55.8%, down from 62.7% in July 2026. Travelers tied Chubb at 55.8% in September 2026, up from 60.5% in July 2026. The largest coverage increase came from Hiscox Usa, which rose to 22.3% in September 2026 from 0.0% in July 2026, a move beyond normal month-to-month variation. The largest coverage decline came from Hiscox, which fell to 0.0% in September 2026 from 49.1% in July 2026 and has now declined in each of the two months since July 2026.

The September 2026 series reflects a notable shift in brand tracking. Hiscox, which held 49.1% valid recommendation coverage in July 2026 and 48.9% in August 2026, recorded no qualified observations in September 2026 under that brand name. Hiscox Usa, a separately tracked brand, appeared for the first time in September 2026 at 22.3%. The benchmark treats these as distinct tracked entities. Travelers' rank-one rate rose to 8.1% in September 2026, up from 3.1% in July 2026. Coalition rose to 25.9% coverage in September 2026 from 7.9% in August 2026.

The September 2026 series reflects a tracking shift in which Hiscox observations moved to Hiscox Usa, creating a 49.1-point coverage decline for one tracked entity and a 22.3-point debut for the other.

The benchmark began with 800 prompt-surface observations in each month and produced 197 qualified observations in September 2026 after qualification, down from 228 in July 2026 and up from 139 in August 2026.

AI recommendation trend

valid recommendation coverage, Jul 2026 to Sep 2026

Chubb55.8%
Travelers55.8%
Coalition25.9%
Hiscox Usa22.3%
AIG19.8%
At-Bay13.2%
AXA XL11.7%
CNA11.7%
Beazley8.1%
Cowbell Cyber2.5%
Hiscox0.0%

Current Benchmark at a Glance

Measure	Jul 2026	Sep 2026	Movement
Qualified benchmark observations	228	197	Down 31
Tracked brands	10	10	No change
Qualified surface breadth	6	6	No change
Recommendation-shaped answer share	47.8%	40.6%	Down 7.2 points
Valid recommendation shortlist share	71.5%	57.9%	Down 13.6 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 each month of the series. August 2026 saw 139 qualified observations, the lowest in the series to date.

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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.

Research stage	Jul 2026	Sep 2026	What it represents
Source prompt-surface observations	800	800	Total prompts across surfaces
Unique questions	522	580	Distinct questions asked
Brand / competitor mentions	800	800	Prompts mentioning a tracked brand
Relevant observations	274	251	On-topic responses
Irrelevant observations	526	549	Off-topic responses
Qualified benchmark observations	228	197	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	95.4%	55.8%	41.6%	25.4%	0.63
Travelers	88.3%	55.8%	33.0%	8.1%	0.67
Hiscox Usa	27.4%	22.3%	11.7%	2.0%	0.85
AIG	48.7%	19.8%	5.1%	0.5%	0.45
At-Bay	19.3%	13.2%	3.0%	0.5%	0.84
AXA XL	19.8%	11.7%	5.1%	0.0%	0.67
CNA	24.9%	11.7%	1.5%	0.0%	0.47
Beazley	14.7%	8.1%	3.0%	1.0%	0.66
Coalition	34.5%	25.9%	11.2%	2.0%	0.84
Cowbell Cyber	2.5%	2.5%	0.5%	0.0%	1.00

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	Sep 2026	Movement since baseline
AIG	14.9%	19.8%	Up 4.9 points
At-Bay	17.5%	13.2%	Down 4.3 points
AXA XL	9.7%	11.7%	Up 2.0 points
Beazley	8.8%	8.1%	Down 0.7 points
Chubb	62.7%	55.8%	Down 6.9 points
CNA	8.8%	11.7%	Up 2.9 points
Coalition	25.0%	25.9%	Up 0.9 points
Cowbell Cyber	2.6%	2.5%	Down 0.1 points
Hiscox	49.1%	0.0%	Down 49.1 points
Hiscox Usa	0.0%	22.3%	Up 22.3 points
Travelers	60.5%	55.8%	Down 4.7 points

Several brands showed notable prior-to-current moves in September 2026. AIG rose 12.6 points from August 2026 to reach 19.8%. Coalition rose 18.0 points to 25.9%. AXA XL rose 8.8 points to 11.7%. At-Bay rose 10.3 points to 13.2%. Cowbell Cyber rose 2.5 points from August 2026 to 2.5%. Chubb declined 12.5 points from August 2026 to 55.8%. Hiscox declined 48.9 points to 0.0%.

Largest Increase: Hiscox Usa

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Hiscox Usa rose to 22.3% valid recommendation coverage in September 2026 from 0.0% in July 2026, an increase of 22.3 percentage points beyond normal month-to-month variation. The brand recorded a 27.4% presence rate, 11.7% top-three rate, and 2.0% rank-one rate in September 2026. The appearance of Hiscox Usa in the September series coincides with the absence of Hiscox as a separately tracked brand, reflecting a shift in how the insurer surfaced in qualified responses.

Largest Decline: Hiscox

Hiscox fell to 0.0% valid recommendation coverage in September 2026 from 49.1% in July 2026, a decline of 49.1 percentage points beyond normal month-to-month variation. The brand declined in both months of the series, moving from 49.1% in July 2026 to 48.9% in August 2026 and then to 0.0% in September 2026. Raw mention presence stood at 55.3% in July 2026, and no presence data was recorded for September 2026 under this brand name.

Category Leader: Chubb

Chubb led the category in valid recommendation coverage in September 2026 at 55.8%, a level it held through the series despite a decline from 62.7% in July 2026. The brand also led on prominence, with a 41.6% top-three rate and a 25.4% rank-one rate in September 2026, up from 39.0% and 23.7% in July 2026 respectively. Presence rate rose to 95.4% in September 2026 from 90.3% in July 2026. Travelers matched Chubb's 55.8% coverage in September, creating a two-way tie at the top of the category.

Stable Brands

AIG, Coalition, At-Bay, AXA XL, CNA, Cowbell Cyber, Travelers, and Beazley moved within ranges that the series treats as ordinary month-to-month fluctuation.

Recommendation Placement Snapshot

Coverage alone does not show how prominently a brand is recommended. Chubb led placement in September 2026 with a 41.6% top-three rate and a 25.4% rank-one rate, ahead of Travelers and Hiscox Usa.

Brand	Sep 2026 top-three rate	Sep 2026 rank-one rate	Jul 2026 top-three rate	Jul 2026 rank-one rate
Chubb	41.6%	25.4%	39.0%	23.7%
Travelers	33.0%	8.1%	29.4%	3.1%
Hiscox Usa	11.7%	2.0%	0.0%	0.0%

Chubb and Travelers shared the same 55.8% valid recommendation coverage in September 2026, yet Chubb appeared first in 25.4% of observations compared with Travelers' 8.1%. Close coverage can still hide different first-position rates.

Buyer-Intent Distribution

All 197 qualified observations in September 2026 fell into the Brand Recommendation class.

Buyer-intent class	Jul 2026	Sep 2026
Brand Recommendation	228	197
Pricing & Value	0	0
Multi-Brand Comparison	0	0
Total qualified observations	228	197

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)
Sep 2026	197	Chubb	55.8%	Hiscox down 49.1 points (Jul→Sep)

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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