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Lowers Risk Group Launches Periculus, Digital Risk and Insurance Platform for SMBs

International risk management company Lowers Risk Group (LRG) announced the formation and launch of Periculus, a new company that will simplify the management of digital risk for small-to-medium sized businesses.  

Initially serving the sub-$100 million market, Periculus is LRG's first insurtech offering and provides subscribers access to quantitative, continuous risk assessments, insurance and service partner solutions, education, and a community of like-minded entrepreneurs requiring help with digital risk management. The Periculus ecosystem brings about a new way for businesses to acquire insurance and cyber services with an integrated offering that will allow business owners to gain the freedom to thrive in today's digital economy.

"We recognize digital and cyber risk is a significant threat for small-business owners," said Mark Lowers, co-founder and CEO of Lowers Risk Group.  "But the promise of the modern digital economy represents enormous opportunity for SMBs everywhere.  Periculus – and insurtech specifically – is an important part of LRG's future and our continued commitment to protecting people, brands and profits."

Periculus is led by CEO Tony Sibert, who most recently served as a Managing Director in Ernst & Young's cyber practice, COO Danielle Kaminski, who joins Periculus from Charles Taylor where she served as SVP of Commercial Operations and Acting General Counsel, and CRO Steven Schwartz, former VP of Strategy and Insurance for Cytegic (acquired by Mastercard in June 2020).  Now rebranded as Mastercard's CyberQuant, this assessment tool is a key part of the Periculus risk analytics tech stack enabling both the insurance industry and business owners to understand and quantify their digital risk exposure.

"Our job is to make managing digital risk simple," Sibert said.  "For over 30 years, I've helped public and private companies, early-stage ventures, and government organizations across the world manage risk, but my goal with Periculus is to help change the way cyber insurers, service providers and SMBs look at and approach digital risk management.  We can – and we will – enable businesses to realize the amazing benefits of the digital economy while minimizing the risks this ecosystem creates."

"During the pandemic, as many businesses and individuals became more digitally connected and dependent, we also became more aware and exposed to the vast array and widespread nature of cyber threats," Danielle said.  "I am excited to work with Periculus to provide businesses with a digital risk platform to protect their brands, people, and profits from these risks."

"Having been deeply immersed at the intersection of insurtech and digital risk management, what excited me most about Periculus is the opportunity to empower both enterprises and SMBs to make sense of digital risk through our industry-first, integrated solution," Schwartz said.  "Robust and affordable cyber insurance and security solutions have always been out of reach, complex and costly for SMBs. Periculus is solving this problem by creating a more inclusive ecosystem with transparency and access to the appropriate digital risk solutions needed to protect businesses. Our integrated, dynamic offering and embedded distribution opportunities are a game changer for both Main Street and Wall Street."

Periculus is currently offering interested SMBs the opportunity to understand their cyber risk posture and its potential financial impact from CyberQuant, while reviewing their uniquely tailored cyber insurance and cyber security services. In parallel, Periculus is collaborating non-insurance distribution channels with a turn-key solution to embed and offer the Periculus solution to their customers.

Additional digital risk management, analytics and distribution will be announced in the coming weeks.  For more, visit

About Periculus
Periculus makes managing digital risk simple. Its integrated platform offers access to purchase powerful cyber insurance and cyber security solutions uniquely tailored to fit the needs of every business, including risk assessments, security services, insurance partners, policies, services, insights, and education.  

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