Great article. One takeaway from this is pretty straightforward: as a startup, this is strong evidence to invest in cyber coverage specifically with those top c

Great article. One takeaway from this is pretty straightforward: as a startup, this is strong evidence to invest in cyber coverage specifically with those top carriers. One of the shortcomings of the article though, is that they don't address the price effect: has the grouping of IR led to cheaper premiums with top carriers? Are top carrier cyber policies effectively a "better deal" as a result of this gating? Or is the margin even justified given the commoditization that is taking place at the top firms?