Proven in New Jersey. Ready for your state. Xcitium powers the cyber risk management program protecting 600+ public entities today, now available to Joint Insurance Funds and Government Risk Pools nationwide.
Checklists slowed cyber losses for risk pools but never showed a member's true cyber posture.
Cyber coverage payouts for breaches quickly exceeded the funds collected from members as premium
Insurance providers organized as JIFs and GRPs to pool member premiums to amortize the rising cost of cyber breaches with a bigger premium pool.
Prerequisite checklists relied on members grading their own posture, leaving real exposure unverified.
Independent assessment replaces self-reported forms with documented evidence of each member's true readiness.
New Jersey's Cyber JIF, formed by 19 JIFs in 2023, trusts Xcitium across 600+ members.
The core risk management services protecting New Jersey's public entities today, delivered consistently across every member regardless of size, budget, or in-house IT resources.
Built around how public entity risk pools operate, not adapted from a generic enterprise security program.
Programs built around the budget realities of municipalities, school boards, and agencies.
Underwriters and reinsurers receive documented evidence of fund-wide risk controls, not self-reported claims.
The same program running in production today as the risk control backbone of New Jersey's public entity risk pool.
What fund administrators and member risk managers can expect once the program is in place.
| Outcome | Impact for the Fund and Its Members |
|---|---|
| Fewer Claims | Reduce the frequency and severity of ransomware and phishing-driven losses across the pool. |
| Stronger Renewal Position | Give underwriters and reinsurers documented evidence of active, fund-wide risk controls. |
| Consistent Member Compliance | Apply the same cyber hygiene standard across every member, regardless of size. |
| Simplified Fund Oversight | Give administrators one consolidated view instead of chasing member-by-member reporting. |
| Lower Total Cost of Risk | Verified prevention costs the fund less than rising breach of payouts and ransom demands. |
A JIF or GRP formally adopts the program as part of its member risk control services.
Every member entity is enrolled with baseline awareness training and vulnerability scanning.
Ongoing containment, training, and vulnerability management run quietly in the background.
Documented, fund-wide results replace self-reported checklists for underwriting review.
Administrators receive documentation to support underwriting and renewal conversations.
Your fund is only as strong as its weakest member. Xcitium replaces guesswork with verified posture, holding every member entity to the same standard, and we'll show you how the New Jersey model adapts to your state.
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