Identity Fraud
Identity Fraud, Inc. is a licensed U.S. insurance intermediary and program administrator, founded 1997, that distributes cyber-liability insurance, business identity-fraud protection, incident-response services, and consumer identity-protection memberships through insurer, broker, and direct channels across all 50 states.
- Company typePrivate
- Founded1997
- HeadquartersWalnut Creek, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Identity Fraud does
Identity Fraud, Inc. is a privately held, California-incorporated insurance intermediary and licensed program administrator specializing in identity-theft protection and cyber-insurance products for U.S. consumers and small-to-medium enterprises (SMEs). Founded in 1997 and headquartered at 1990 N. California Blvd, Walnut Creek, the firm operates as one of the original pioneers in the data-theft risk-management space. Its core offering is structured around three product pillars: BIZLock (SME cybercrime protection bundling data-breach liability insurance, business identity-fraud insurance, and incident-response services), Incident Response On-Demand (pre- and post-breach response, legal notification, call-center victim response, and PR support), and Personal Identity Protection (consumer and family identity monitoring, insurance, and resolution services). The company's technology platform is a program-administration and insurance-intermediary stack with integrations to Equifax, Experian, and TransUnion for credit data, supporting quote/bind/print workflows for partners via bizlock.net and a dedicated consumer storefront at my.identityfraud.com (Privsy).
The company generates revenue on a subscription/recurring basis through three primary streams: commissions and fees as a licensed insurance intermediary placing cyber-liability and identity-protection coverage; individual and family identity-protection memberships; and BIZLock business subscriptions. Insurance capacity is provided by admitted carriers including AIG and Great American Insurance Company, with the firm serving as program administrator for the Data Theft Risk Purchasing Group in all 50 states. Distribution is multi-channel: direct-to-consumer via Privsy and my.identityfraud.com, direct-to-business via bizlock.net, enterprise inside sales via 1-866-443-3728, and partner-mediated channels reaching leading insurers, brokers, banks, credit unions, payment processors, associations, employer groups, utilities, and technology firms. Notable distribution anchors include Church Mutual Insurance Company (reaching 90,000+ religious organizations), Nationwide Brokerage Solutions, and PIA of Louisiana. The firm holds trademarks across its product family (BIZLock, BIZLock Pro, Core Cyber, Core Cyber Pro, Core Identity Protection, SB Core Protector) and operates with a lean team of 1–10 employees.
Identity Fraud firmographics
Firmographics- Name
- Identity Fraud
- Legal name
- Identity Fraud, Inc.
- Website
- https://identityfraud.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Identity Fraud, Inc. is a licensed U.S. insurance intermediary and program administrator, founded 1997, that distributes cyber-liability insurance, business identity-fraud protection, incident-response services, and consumer identity-protection memberships through insurer, broker, and direct channels across all 50 states.
- Ownership category
- akta.pro rank
Where Identity Fraud is headquartered
LocationHeadquarters
- HQ city
- Walnut Creek
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Identity Fraud business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Intermediary & Program Administration: As a licensed insurance intermediary and program administrator, Identity Fraud, Inc. generates revenue by facilitating insurance products between insurers and customers. The company administers cyber liability insurance programs and consumer identity protection programs, earning commissions or fees for placing coverage.
- Membership Plans: Individual and family identity protection membership plans providing ongoing fraud monitoring, insurance coverage, and resolution services on a subscription basis.
- BIZLock Business Solutions: Business cybercrime protection products including data breach liability insurance (covering liability, regulatory fines, PCI fines, breach response, cyber extortion), business identity fraud protection, and incident response services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | BIZLock business protection plans - quote-based pricing tailored to business size and coverage needs |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels7 records
Identity Fraud product offering
Product offeringCore offering
Identity Fraud, Inc. is a licensed insurance intermediary and program administrator that designs, distributes, and administers identity theft protection and cyber insurance programs. It sells consumer identity protection memberships and business cybercrime protection (BIZLock), backed by data breach liability insurance, business identity fraud insurance, and on-demand incident response services. The company operates in all 50 states through channel partners and direct-to-customer platforms.
Product overview
Identity Fraud, Inc. operates as an insurance intermediary and cyber insurance program administrator offering a suite of identity protection and cyber insurance products. The company provides personal identity protection services for consumers and BIZLock products for business cybercrime protection. BIZLock is the core business offering providing comprehensive data breach liability insurance, business identity fraud insurance, and Incident Response On-Demand services. The Consumer products include Core Identity Protection for individual identity monitoring and protection. The company also offers educational resources including the IFI Loss Prevention & Resource Guide, IFI Risk Video, and IFI Risk Newsletter. Products are distributed through channel partners including insurers, brokers, banks, credit unions, payment processors, associations, and employer groups.
Differentiator
Problem solved
Functional benefit
Brands
- BIZLock: Business cybercrime protection product providing comprehensive and affordable protection to help companies prevent, protect and respond to cyber attacks. Includes exclusive identity fraud insurance, business identity fraud protection, cyber monitoring, data breach liability insurance, breach and incident response services, and cybercrime monitoring tools.
- Incident Response On-Demand
- Core Identity Protection
Products and services
- Personal Identity Protection Identity theft protection services for individuals and families, including identity insurance, resolution services, credit monitoring, and tools to monitor and protect personal identity assets.
- BIZLock Comprehensive cybercrime protection and cyber insurance solution for small and medium-sized businesses, providing data breach liability insurance, business identity fraud protection, cyber monitoring tools, and incident response services. Includes exclusive identity fraud insurance, automatic identity fraud protection for employees, and breach response remedies.
- Incident Response On-Demand On-demand data breach incident response services including pre-incident planning, post-incident response, legal notification programs, call center victim response programs, and PR campaign development. Provides immediate access to a response team of experts to assess and contain loss, preserve evidence, and support business continuity following data breaches.
- Business Identity Fraud Insurance Identity fraud insurance protection specifically designed for businesses against theft of business name and business identifying information (BII). The nation's first admitted Business Identity Fraud insurance policy.
- Business Identity Protection Product Nation's first Business Identity Protection product incorporating stand-alone admitted, exclusive, business identity insurance and monitoring tools. Insured by Great American Insurance Company.
Quantifiable outcome
- 90,000+ religious organizations protected through Church Mutual Insurance Company partnership
- +1 more outcomes
Companies that use Identity Fraud
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Identity Fraud technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Identity Fraud partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core, minor and flagship.
- Nationwide Brokerage Solutions (formerly Insurance Intermediaries, Inc.)coreNationwide Company selects Identity Fraud, Inc. to deliver cyber liability insurance, data theft risk management and Incident Response On-Demand to Nationwide agents and their clients. This partnership expands distribution of Identity Fraud Inc. products through Nationwide's extensive insurance agent network.
- Professional Insurance Agents (PIA) of LouisianacorePIA of Louisiana selects Identity Fraud, Inc. to deliver cyber liability insurance and business identity fraud insurance solutions to agency members, providing access to a network of independent insurance professionals.
- Church Mutual Insurance CompanycoreChurch Mutual Insurance Company selects Identity Fraud, Inc. to provide data theft risk management and cyber insurance solutions to its policyholder base of 90,000+ religious organizations, representing a significant vertical market partnership.
- AIGcoreAIG provides data risk liability insurance to members of the Data Theft Risk Purchasing Group, as administered by Identity Fraud, Inc. This strategic partnership provides the insurance capacity backing for the purchasing group's coverage.
- Great American Insurance CompanycoreIdentity Fraud, Inc. launched nation's first Business Identity Protection product incorporating stand-alone admitted, exclusive, business identity insurance and monitoring tools as insured by Great American Insurance Company.
- Identity Crime Prevention, Inc. / The Data Theft Risk Purchasing GroupcoreIdentity Crime Prevention, Inc. / The Data Theft Risk Purchasing Group selects Identity Fraud, Inc. as program administrator in all 50 states, enabling nationwide distribution of data theft risk insurance products.
- Affiliate PartnersminorAffiliate Program designed for companies that wish to promote identity fraud solutions from their own websites. Companies drive traffic and leads to Identity Fraud Inc. in exchange for referral compensation.
- Alliance PartnerscoreAlliance Program includes organizations interested in a branding and product or service relationship with Identity Fraud, Inc. with an agreement that includes product co-marketing efforts.
- Strategic PartnersflagshipStrategic Partners are created with individuals and/or organizations interested in identity fraud-related product development, business development, investment, and/or tailored arrangements not covered under the Affiliate or Alliance programs.
- Leading InsurerscoreChannel partners including leading insurers that distribute Identity Fraud Inc.'s cyber liability insurance programs and consumer identity protection programs.
- Banks, Credit Unions, Payment ProcessorscoreFinancial institution channel partners distributing cyber and identity protection products to their customer bases.
- Associations and Employer GroupscoreChannel partners including associations and employer groups that offer Identity Fraud Inc. products as employee or member benefits.
- Technology Firms and UtilitiesminorAdditional channel partners including technology firms and utilities that distribute identity and cyber protection products.
- Dr. Larry PonemonflagshipDr. Larry Ponemon joins the Identity Fraud, Inc. Advisory Board. Chairman & Founder of Ponemon Institute, recognized pioneer in privacy auditing and Responsible Information Management framework. Adjunct professor at Carnegie Mellon University's CIO Institute and Fellow of Center for Government Innovation at Unisys Corporation.
- Ponemon InstituteflagshipIdentity Fraud, Inc. and the Ponemon Institute completed Ponemon's first Identity Fraud, Inc. Small to Medium Enterprise (SME) Data Theft Risk Management Survey, demonstrating thought leadership collaboration.
- EquifaxcoreIdentity Fraud, Inc. through Equifax provides credit reports for individuals who have established credit in the United States as part of identity protection services.
- ExperiancoreCredit reporting agency partner providing credit information and reporting services as part of identity protection product offerings.
- TransUnioncoreCredit reporting agency partner providing credit information and reporting services as part of identity protection product offerings.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Identity Fraud competitors and assessment
Company assessmentBroad incumbents
- Norton LifeLock (Gen Digital): Norton LifeLock is the largest consumer identity-protection subscription service in the U.S., offering identity theft insurance, monitoring, and restoration — overlapping Identity Fraud's personal identity protection products but with vastly greater scale.
- Experian IdentityWorks: Experian's IdentityWorks is a consumer credit-monitoring and identity-theft-protection product; as one of the credit bureaus Identity Fraud integrates with (Experian), it is also a partial competitor in the consumer identity space.
- Hiscox (Cyber & Data Risk): Hiscox is a specialty insurer with a well-known small-business cyber and data-breach insurance product distributed through agents/brokers — overlapping Identity Fraud's SME cyber liability channel.
- Travelers (CyberRisk): Travelers offers cyber liability and data-breach response coverage to small and mid-sized businesses through independent agents, competing with BIZLock in the SME cyber-insurance distribution channel.
- Beazley (Cyber & Tech): Beazley is a specialty insurer providing cyber, data breach, and tech E&O coverage, including breach response services — comparable to Identity Fraud's cyber-insurance administration and Incident Response On-Demand model.
Emerging players
- Coalition: Coalition is a cyber-insurance and proactive security platform targeting SMBs, combining cyber coverage with continuous monitoring — competing in the SME cyber-insurance segment where BIZLock is positioned.
- At-Bay: At-Bay is a cyber-insurance carrier serving small and mid-sized businesses with technology-enabled underwriting — comparable to Identity Fraud's BIZLock SME focus and cyber-liability distribution through brokers.
Direct peers
- Aura: Aura offers consumer and family identity theft protection, credit monitoring, VPN, and identity insurance — a directly comparable subscription identity-protection suite to Identity Fraud's Privsy/Personal offerings.
- IDShield (LegalShield): IDShield offers individual and family identity theft protection with private investigators for restoration, distributed largely through association and employer group channels — closely comparable to Identity Fraud's channel partner model and consumer product set.
- IdentityForce (TransUnion): IdentityForce provides consumer and employee identity theft protection, credit monitoring, and identity insurance — a direct competitor in the consumer and employer-group identity protection channel where Identity Fraud also distributes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Identity Fraud social profiles
Digital presenceIdentity Fraud compliance and trust
Trust signalCompliance2 records
Identity Fraud financial estimates
Financial estimateRevenue estimate
Valuation estimate
Identity Fraud leadership team
Management profileNumber of profiles
Profiles4 records
Identity Fraud funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Identity Fraud M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Identity Fraud
What does Identity Fraud do?
Identity Fraud, Inc. is a licensed insurance intermediary and program administrator that designs, distributes, and administers identity theft protection and cyber insurance programs. It sells consumer identity protection memberships and business cybercrime protection (BIZLock), backed by data breach liability insurance, business identity fraud insurance, and on-demand incident response services. The company operates in all 50 states through channel partners and direct-to-customer platforms.
Is Identity Fraud a public or private company?
Identity Fraud is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Identity Fraud founded?
Identity Fraud was founded in 1997. It employs 1 to 10 people.
Where is Identity Fraud based?
Identity Fraud is headquartered in Walnut Creek, United States, in the North America region.
How does Identity Fraud make money?
Three revenue lines are on record. Insurance Intermediary & Program Administration is the primary driver. The others are membership Plans and BIZLock Business Solutions.
Who are Identity Fraud's main competitors?
Broad incumbents on record are Norton LifeLock (Gen Digital), Experian IdentityWorks, Hiscox (Cyber & Data Risk), Travelers (CyberRisk) and Beazley (Cyber & Tech). Emerging players are Coalition and At-Bay. Direct peers are Aura, IDShield (LegalShield) and IdentityForce (TransUnion).
Does Identity Fraud have an API?
No public API is recorded for Identity Fraud.