Bizlock

What Bizlock does

BIZLock is a cyber insurance program for small and medium businesses, powered by Identity Fraud, Inc., a privately held insurance intermediary founded in 1997 and based in Martinez, California. The offering is structured around three standardized tiers — Core Cyber ($250,000 limit, starting at $399), Pro ($500,000 limit at $499), and Premium ($1,000,000 limit at $699) — each delivered on an annual subscription basis and bundled with Incident Response On-Demand (iROD), a 24/7 service providing forensic investigators, legal support, PR/crisis management, consumer notifications, and identity protection remedies. Coverage spans breach response, ransomware, cyber and privacy liability, stolen funds, data reconstruction, hardware replacement, regulatory fines, employee protection, and business identity fraud monitoring. BIZLock targets businesses with less than $250 million in annual revenue, a segment the company cites as accounting for half of all targeted cyber attacks.

The business operates an omnichannel distribution model combining direct online self-service (instant quote and bind in minutes) with channel partnerships spanning insurers, brokers, banks, credit unions, payment processors, associations, employer groups, utilities, and technology firms. A broker locator tool on the website supports agent-led distribution. Revenue is generated through policy premiums, with standardized pricing applied across three tiers. The company holds BIZLock Insurance Services CA License# 0D40585 and operates under California jurisdiction. No public funding, headcount data, or revenue disclosures are available in the source material.

Operationally, BIZLock presents as a niche SMB-focused cyber insurance program administrator with deep tenure in the category but limited disclosed scale. The technology stack is built around digital policy administration and a 24/7 incident response vendor network rather than proprietary AI-driven underwriting or claims automation. The parent entity Identity Fraud, Inc. has been operating since 1997, and the BIZLock brand is positioned as a digital-first extension of that legacy, with no documented acquisitions, funding rounds, or major leadership changes.

Name

Bizlock

Legal name

Identity Fraud, Inc.

Website

https://bizlock.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

BIZLock is a cyber insurance program for U.S. small and medium businesses with under $250 million in revenue, offering three standardized tiers ($399-$699) bundled with 24/7 Incident Response On-Demand, distributed through brokers, banks, credit unions, and direct online channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Walnut Creek

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Cyber Insurance Premiums: BIZLock earns revenue through cyber insurance policy premiums. Programs are designed for businesses with less than $250 million in revenue. Coverage includes breach response, ransomware, cyber liability, and more.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

BIZLock provides tiered cyber insurance programs for U.S. small and medium businesses with under $250 million in annual revenue, offering coverage for data breach response, ransomware/cyber extortion, cyber and privacy liability, stolen funds, data reconstruction, hardware replacement, regulatory fines, employee identity protection, and business identity fraud. Every policy bundles Incident Response On-Demand (iROD), a 24/7 incident response team providing forensic IT, legal, PR, and breach notification support. Products are sold direct-to-consumer online and through brokers, insurers, banks, credit unions, and other channel partners.

Product overview

BIZLock offers a tiered cyber insurance platform with three product levels: Core Cyber (entry-level at $250,000 coverage starting at $399), Pro ($500,000 coverage at $499), and Premium ($1,000,000 coverage at $699). Every BIZLock policy includes Incident Response On-Demand (iROD), providing 24/7 access to forensic investigators, legal support, crisis management, and breach response services. The portfolio covers breach response, ransomware, cyber liability, stolen funds, data reconstruction, hardware replacement, regulatory fines, employee protection, and business identity fraud monitoring. The program is designed for businesses with up to $250 million in annual revenue and is powered by Identity Fraud, Inc., an insurance intermediary operating since 1997.

Differentiator

Problem solved

Functional benefit

Brands

• BIZLock Core Cyber: Affordable cyber insurance coverage for small businesses with $250,000 limit, starting from $399.
• BIZLock Pro

Products and services

• BIZLock Core Cyber Entry-level cyber insurance program for small businesses offering $250,000 in coverage limits starting at $399, including Core Cyber Liability, Breach Costs, Ransomware, Business Interruption, and Risk Management Tools.
• BIZLock Enhanced Mid-tier cyber insurance program offering $500,000 in coverage limits at $499, including Breach Costs, Business Interruption, and Risk Management Tools with expanded coverage compared to the Core tier.
• BIZLock Pro Top-tier cyber insurance program offering $1,000,000 in coverage limits at $699, including Core Cyber Liability, Breach Costs, Business Interruption, and Risk Management Tools with the highest coverage limit and Business Identity Fraud Insurance & Monitoring.

Quantifiable outcome

• 50% of targeted cyber-attacks target small businesses (Symantec)
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Insurance CarrierscoreChannel Partner/ Reseller/ DistributorBIZLock programs are powered by Identity Fraud, Inc., an insurance intermediary and cyber insurance program administrator. The company distributes its cyber liability insurance programs through channel partners including leading insurers. Insurance carriers provide the underlying insurance capacity for BIZLock policies and are engaged when customers need to make cyber claims.
• Wholesale Insurance PartnerscoreChannel Partner/ Reseller/ DistributorFor Agents and Brokers interested in distributing BIZLock programs, the company helps locate approved wholesalers. Wholesalers serve as intermediaries between BIZLock and retail insurance agents/brokers.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Cowbell Cyber: AI-driven cyber insurance provider for SMBs distributed through agents and brokers. Competes head-to-head with BIZLock for the same under-$250M revenue segment, with a tech-forward, continuous-underwriting approach.
• At-Bay: Cyber insurance carrier focused on SMBs with technology-enabled underwriting and bundled security services. Closely comparable in customer segment, broker distribution model, and bundled prevention/response approach to BIZLock.
• Coalition: Cyber insurance and active risk-monitoring insurtech targeting SMBs and mid-market with broker-distributed policies. Direct competitor to BIZLock's core SMB cyber offering, with substantially more capital and proprietary attack-surface scanning technology.

Broad incumbents

• Beazley: Specialty insurer with a market-leading breach response and cyber liability suite (Beazley Breach Response). Comparable to BIZLock in incident-response-led cyber coverage, but operates globally with far larger capacity.
• AIG: Global insurer with cyber liability and breach response products for mid-market and SMB customers. Overlaps with BIZLock in core coverage areas but serves a broader, more enterprise-weighted customer base.
• Chubb: Global P&C insurer with a Cyber Enterprise/Enterprise Risk Management product set serving SMBs through mid-market. Direct overlap in cyber liability and breach response coverage with BIZLock, but at much greater scale and breadth.
• Hiscox: Specialty insurer with a well-known small business cyber and professional liability portfolio (Hiscox Cyber Insurance). Overlaps with BIZLock in target customer and broker channel but offers a much broader multi-line portfolio.
• The Hanover Insurance Group: US P&C insurer with cyber coverage for small commercial customers distributed through independent agents. Targets the same SMB segment as BIZLock but offers a much broader commercial lines portfolio.
• Tokio Marine HCC: Specialty insurer with cyber and professional liability lines for SMBs distributed through brokers. Comparable in distribution model and product framing to BIZLock's cyber liability offerings.
• Travelers: Large US P&C carrier with cyber coverage for SMBs distributed through independent agents. Same customer segment and broker channel as BIZLock, with substantially broader product portfolio and balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bizlock