Spinnaker filed a cyber insurance update in Wisconsin on January 20, 2026, effective April 1 for new business and May 1 for renewals. The filing covers 714 policyholders and $1.77 million in written premium, with an average rate increase of 7.4%, below the indicated need of 15.1%.

The update introduces a new “Cyber V6” rating structure, including revenue-based base rates, revised limits and hazard factors, and scan-based pricing that uses live network security data. New rating credits and debits reflect MFA usage, backup frequency, patching, and MDR/EDR deployment, though individual impacts vary widely, ranging from a 69.9% decrease to a 372.6% increase.

The filing was submitted by Boost Insurance Agency, which also distributes the product.