Bill · S. 245· Senate(119-S-245)
Insure Cybersecurity Act of 2025
- Introduced
- 1/24/2025
- Last activity
- 6/9/2025 — Placed on Senate Legislative Calendar under General Orders. Calendar No. 90.
- Sponsored by
- John Hickenlooper
- Cosponsors
- - 0 - 1
- Introduced
- On Calendar
What this bill would do
The Insure Cybersecurity Act of 2025 directs the Assistant Secretary of Commerce for Communications and Information to create a working group focused on cyber insurance. This working group will include various federal agencies and state insurance regulators to analyze insurance policies and technical terminology. The group is tasked with helping customers understand how policies cover cyber incidents, such as ransomware, and how they can evaluate coverage levels. Additionally, the group will look for ways to help issuers offer more coverage and potentially reduce policy costs. Following the group's work, the Assistant Secretary must publish informative resources for stakeholders on a public website. These resources will include recommendations and case studies to assist issuers, agents, and customers.
Yes· 3 of 5
Does this better protect the country from computer attacks?+5
The bill strengthens national security by addressing cyber insurance transparency and risk mitigation for critical infrastructure.
Does this give people more protection from unfair business practices?+4
The bill enhances consumer protection by requiring the translation of complex technical and legal terminology into understandable terms for customers.
Would business owners be better off under this?+4
The bill benefits business owners by clarifying cyber insurance terms and seeking ways to reduce coverage costs.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Transparency for Customers: The working group is tasked with analyzing and explaining technical and legal terminology, as well as how policy provisions correspond to specific cyber incidents like ransomware, in a manner understandable to customers (Section 3(c)(1)(B-D)).
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Improved Decision Making: The act directs the development of information to help customers effectively evaluate the types and levels of coverage offered under a policy (Section 3(c)(1)(G)).
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Potential Cost Reductions: The working group is required to identify measures that could reduce the cost of insurance policies (Section 3(c)(1)(J)).
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Enhanced Coverage Options: The group will gather input on how to improve the ability of issuers to offer additional coverage, such as through better data and information sharing (Section 3(c)(1)(I)).
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Public Access to Information: The Assistant Secretary is required to make informative resources, including case studies and specific examples, publicly available on the NTIA website (Section 4(b-c)).
Potential Negative Impacts for People
- No specific negative impacts or burdens are explicitly identified in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection+4Improves Small Business Support+3
- National Security And Foreign Policy
- Improves Cybersecurity Defense+5
- Demographic And Interest Groups
- Good For Business Owners+4
- Governance And Ideology
- Improves Government Transparency+2
- 6/9/2025
- Committee on Commerce, Science, and Transportation. Reported by Senator Cruz without amendment. With written report No. 119-28.
- Placed on Senate Legislative Calendar under General Orders. Calendar No. 90.
- 2/5/2025
- Committee on Commerce, Science, and Transportation. Ordered to be reported without amendment favorably.
- 1/24/2025
- Read twice and referred to the Committee on Commerce, Science, and Transportation.
- 1 Cosponsor added.
- Introduced in Senate
Shelley CapitoRepublican · West Virginia