Sara Simmonds

CEO Impact Innovator | Helping Purpose Driven Entrepreneurs Scale to $1 Million, $50 Million and Beyond | Follow Me For Systems On Sustainable Growth 🌎

Impact Innovator OS: 

The #1 In-House Growth System For Mission-Driven Founders, Conscious Coaches, and Innovators To Build Sustainable Scale As A Category Of One Business.

I help innovators simplify their business to a category of one so they can build sustainable scale to 7 figures, 8 figures and beyond.

I spent over a decade on the table as a buyer controlling $100M+ budgets for billion-dollar retailers. 

In 2006 I saw something that changed everything.

The Problem:

Each year, $49 trillion is spent on products & services globally. But buyers only choose the top 1% of businesses. The ones who lead as a Category Of One. The rest struggle. Their innovation never scales. It ends up as waste.

Why?

Corporations dominate because they know something most innovators don't: the proven system to lead as a Category Of One business.

My Mission:

I quit the corporate world to figure out how innovators who want to make an impact can actually scale.

My first company, Sharkah Chakra - The World's First Feel Good Sustainable Jeans Brand. I used my buyer intelligence to create a sellout launch. 

But we spent $150K trying to simplify our complex innovation. We outsourced our growth system to agencies. Our funding ran out.

The insight hit me: 

Entrepreneurs aren't taught to think like buyers. We think like sellers. We outsource to experts instead of building our own systems like corporations do.

My Second Company Changed Everything:

With Bespoke Your World, I built an in-house system to scale as a Category Of One. 0 to $300K in 12 months with the world's top 0.1% clients. Organically. No ads.

Then innovators started asking for the game plan.

So I Built Impact Innovator OS:

One integrated system using my Billion Dollar Buyer Intelligence Framework. 

Purpose. Positioning. Offer. Sales. Marketing. Organic scaling methods. Everything in house. Everything you own. Forever.

Founding Member Results:

→ Carol: $200K launches, scaling to $50M
→ Jo: $2M to $4M growth in 12 months
→ Amy: 0 to $300K launch in 90 days
→ Marie & Jason: 30% profit increase
→ Paula: Successful Exit Less than 12 Months

This Is Bigger Than Business:

This is a movement for every innovator working tirelessly to build a better world. For those who refuse to let their legacy innovation become part of the waste problem. For those ready to transform how we consume, how we scale, and how we lead.

Founding Member Access (Limited Spots):

DM 'SYSTEM' for founding member details
DM 'MASTERCLASS' for registration link
DM 'NEWS' for newsletter

Business Mentor

For 15 years I sat on the other side of the table.

I was not a coach watching from the outside.

I was the buyer.

I controlled over $100M in purchasing decisions at River Island and Harvey Nichols. 

I know exactly how the people with the real budgets make their choices because I was one of them.

Every week, founders pitched to me.
Every week I had to choose.

And here is what broke my heart:

The most brilliant founders, award winners, sustainability leaders, category innovators, were being filtered out.

Not because their products were not good enough.

But because they could not answer the one question every buyer silently asks before they say yes.

After years of watching this, I made a decision.

I left my buying career and built a system to give founders the intelligence that lives on the other side of the table.

The same intelligence that took Marissa from invisible to a $200K sold out launch.

The same intelligence that helped Laura grow profit by 30% in 30 days.

Every week in my newsletter I share one piece of that intelligence. Free.

You can get my weekly insights here: https://lnkd.in/eJN97V2N

linkedin.com

JSESSIONID

LinkedIn Login, Sign in | LinkedIn

li_at

Talks about #impact, #entrepreneurship, #productinnovation, #businessinnovation, and #businessmentorship

Founder Impact Innovator OS | #1 Buyer Psychology Growth System for MIssion Driven Founders | Scale to $1-$10MN as Category Of One

Ten years ago, I made myself a promise.

One day, I would walk the trails of El Chaltén in Patagonia, not as an escape, but as a reminder of why I chose this path.

That hike wasn’t just about the mountains.
It was about following the footsteps of innovators who refused to compromise on what mattered.

The person who carried me through the hardest years was Yvon Chouinard, founder of Patagonia, the billion-dollar brand that was never meant to be one.

Yvon wasn’t a businessman chasing money.
He was a broke climber who simply wanted better gear.

So he taught himself blacksmithing.
Made tools for his friends.
Sold them out of his car for $1.50 each.

He didn’t set out to build a unicorn.
He just refused to abandon his values.

When being a purpose-led founder nearly broke me
when every part of me wanted to give up

I remembered his words:

“Impossible is the lamest of excuses.”

And I realised something important.

Quitting doesn’t make life easier.
It only delays the dream.

Because dreams don’t disappear.
They wait.
And they return louder.

What stopped me from walking away was understanding this:

Everything is figure-out-able including sustainable growth.

Just as Yvon built for climbers, I’ve spent the last ten years building for purpose-led founders.

When there wasn’t a roadmap, I created one.
And that work became Impact Innovator OS.

So here’s the question I keep coming back to:

What would change if you realised your purpose isn’t the obstacle, it’s the path?

Founder, Impact Innovator OS | The #1 Buyer Intelligence Growth System for Mission Driven Founders, Conscious Coaches + Innovators to Scale Sustainably $1M-$50M+ as Category-of-One

Honest question for the founders in my network:

When a buyer lands on your profile, your website, or your content right now...

Can they immediately tell why you are the ONLY reasonable choice?

Or do you look like one of several good options?

There is no wrong answer here. This is genuinely one of the hardest things to get right in business and most people are not talking about it honestly.

What do you think is the biggest reason founders stay in the "one of many" category even when their work is excellent?

Drop your thoughts below.

The secret to 6 and 7 figure sales increase (no matter the industry or objections):

The world feels quite uncertain at times.

But building sustainable growth CAN feel certain.

I was just speaking to a founder yesterday. 

She was stressed about sales. 
People who were paying less wanting more.

I hear you. 

It's HARD.

You're not powerless against the market. 

Trust me, you're not. 

Social selling is the answer to your problems. 

So here's is my solution to help you sell 24/7:

Be where your dream clients are.

Both online AND offline. 

Here are the 9-steps for the social selling formula:

1. OBSESS over your ICP: who/where they are
2. Focus only on this EXACT ICP online/offline 
3. Build EVENTS to educate your ICP
4. Plan your 2026 monthly events schedule 
5. Collaborate to connect to new audiences
6. Build your dream strategic partnership list 
7. Launch your events 
8. Analyse what works and what doesn't 
9. Repeats refine and scale 

Your social selling game plan should be incredibly simple, yet work incredibly well.

You and your team should understand it. 

Simplicity sells.
Simplicity scales.

Together we will transform our world.

P.S. We have a few slots left to sign up for our March 3rd Masterclass to get the growth secrets for FREE: https://lnkd.in/e6S62RhM

See you soon!

For a long time, I thought success was something you arrive at.

A destination.
A big moment.
A finish line.

I was wrong.

Success is built in the quiet moments no one applauds.

Last week, while traveling...
I noticed something simple, but powerful.

I didn’t reach the destination by feeling confident.
I didn’t reach it by having a perfect plan.

I reached it by choosing to move when stopping would’ve been easier.

Not fast.
Not perfectly.
Just forward.

That’s when it clicked:

Resilience isn’t loud.
It isn’t heroic.
It’s ordinary.

It’s the decision to keep going when you’re tired.
To keep building when you’re unsure.
To keep showing up when results are invisible.

My business didn’t grow because I had clarity every day.

It grew because I honored small progress:

One conversation.
One action.
One honest attempt.

Over and over again.

You don’t need to see the whole road.

You don’t need to know how it all works yet.

You only need to respect the step that’s in front of you. Do that long enough…

And one day you look back and realize:

You’re much further than you ever imagined.

Keep walking.

Founder, Impact Innovator OS | The #1 Buyer Psychology Growth System for Mission Driven Founders, Conscious Coaches + Innovators to Scale Sustainably $1M-$50M+ as Category-of-One

Starbucks learned a painful truth the hard way:
Purpose doesn’t save a business. Clarity does.

When Starbucks’ CEO recently reflected on their strategy, he admitted something rare:

They lost focus by chasing a version of “purpose” that diluted what made them great.

Not because purpose is wrong.
But because it became vague.

When your mission gets fuzzy, execution follows.

You can’t build community if you can’t deliver great coffee.
You can’t change the world if you’re failing your core customer.

Strong brands don’t start with “What impact can we claim?”
They start with “What do we do better than anyone else?”

Then they build impact from there.

That’s the difference:

🚫 Purpose as decoration
✅ Purpose as infrastructure

Real purpose isn’t a paragraph on your website.

It’s the filter behind every decision:

Who you hire

What you build

Who you say no to

How you operate

Patagonia doesn’t treat sustainability as a marketing angle.

It treats the business as a vehicle for the mission.

Product excellence isn’t separate from purpose.
It is the purpose.

If your operations contradict your message, your audience will feel it.

Stop attaching purpose after the fact.

Design your business so purpose is unavoidable.

Build from it.
Operate through it.
Let everything else be downstream.

If you want weekly insights on building brands that matter and win,
subscribe to my newsletter here: https://lnkd.in/dsVQABvv

Exciting news: I just heard one of our members signed a multi billion dollar partnership... 

(90 days ago, they were treading water)

We used my Billion Dollar Buyers Guide to achieve this goal (after years of trial and error).

And it all started by growing a business with a purpose with a fouder who has a heart. 

To be honest, it's easy. 

Someone shared this in my masterclass:

"Sara, with so many competitors today, business is hard, but your systems make it easy to stand out and scale."

Being overlooked is a real problem today for founders, and it no one's fault. 

Buyers will love you, but they need to understand these 7 things:

1. Your Unique Business Hook
2. How your Offer changed your world first
3. How your Offer changes others' worlds second.
4. Why you are a must have now and forever
5. How to sell you in one sentence 
6. Who your followers are
7. Why are you the number one in what you do

This list is a game changer for 2026, to stand out, get seen, sell in, and sell out.

Give buyers instant clarity on your unique power and purpose.

Let your brilliance shine.

If you'd like to know more billion dollar buyer secrets, sign up for my newsletter here:

https://lnkd.in/dsVQABvv

Together we will transform our world.

Companies that tackle "impossible" problems are achieving 400% higher returns.

This is the trend 99% are overlooking.

Businesses chasing quick wins are failing rapidly.

However, the 1% of entrepreneurs addressing seemingly insurmountable challenges to improve our world?

Purpose-driven companies recorded 400% greater returns on the stock market compared to the S&P 500. 

Brands that enhance quality of life outperform the market by 120%.

The problems that cautious investors deem "unprofitable" are, in fact, generating the most value.

Here's the evidence:

Companies that align purpose with business report 25% higher revenue and 22% higher pre-tax profit. 

Purpose-aligned companies: 31% profit increase. Others: 3%.

Why does solving the "impossible" yield more than addressing the obvious?
Because impossible problems face no competition.

While everyone competes over marginal improvements, purpose-led companies forge new categories.

They are not competing; they are pioneering.

Companies solving easy problems = Commodities
Companies solving difficult problems = Monopolies
Companies solving impossible problems = Movements

Purpose enterprises grew by 1,681% while the S&P 500 averaged 118%.

Every boardroom dismisses these opportunities. Every spreadsheet indicates "no return on investment."

And that is precisely why it works.

The market rewards the courage to tackle what others avoid.

5 Reasons Purpose Is Winning

How I Sold A Billionaire a 50K Offer in 7 days (using my buyer psychology intelligence framework) 

I was talking to one of my team members the other day, explaining my buyer intelligence framework

That I teach Founders

Sara's 5 steps in Sustainable scale

1. Transform to a Category Of One
2. Focus on what you deliver that is a High Impact Offer
3, Implement a Social Selling Game Plan
4. Build a "Real Power Is You" Mindset
5. Stemise everything

And we got talking about step 3 Implement a Social Selling Game Plan

The first time I used this method, I built a $300K launch from scratch

The second time, I sold a Billionaire a $50K High Impact Offer in 7 days

The secret sauce of HOW I did that - I will reveal in my LIVE Masterclass Next TUESDAY

If you want to lift the veil on digital marketing, that is so simple that anyone can do this

And on what buyers really want to buy today to close 5, 6, and 7 figure deals

Join my live here: https://lnkd.in/dqNVxTFy

Marissa had won a Cartier Award.

She was genuinely talented.
She had proof.
She had credentials.

And yet her sales were inconsistent. Some months great. Some months nothing. She felt invisible.

Here is what was actually happening:

Marissa was one of many.

Not because her work was not excellent. 

But because her business had not been structured to be the only reasonable choice in her category.

When we applied Buyer Psychology Intelligence to her positioning, her offer, and her movement:

→ $200K launch. Sold out.
→ Strategic partnerships doing the selling for her.
→ Scaling toward $30M with inbound momentum.

She is not posting every day.
She is not chasing clients.

She is running events, leading a movement, letting the system work.

Adding $1M to $10M does not look like more hustle. It looks like a better system.

I am hosting a free masterclass on exactly this.

Limited spots.

Reserve a seat here: https://lnkd.in/e6S62RhM

Most founders think they need a louder brand, a prettier website, or a “more unique” offer.

That’s why they stay invisible...
While weaker competitors get chosen.

I spent years studying Buyer Psychology to determine how real decisions are made.

And here’s the uncomfortable truth:

Buyers don’t choose the “best” offer.

They choose the offer that aligns with 5 specific buyer decision criteria almost no one understands.

On March 19th at 12:00 PM EST,
I’m running a private masterclass.

We’re revealing all 5.

Not surface-level tactics.
Not marketing tricks.

The real buyer levers that make someone see you as the only obvious choice and confidently say yes.

Here’s a taste:

1. Why “being different” actually backfires, and what top buyers use instead to decide who wins the deal.

2. How certain purpose-led founders sell out $200K launches in 24 hours with zero ads or agencies.

3. The 2 hidden mechanisms that turn random growth into sustainable momentum you actually own.

This is the same playbook I used to approve and greenlight over $100M in buying decisions.

Founders have used these frameworks to scale from $1M to $50M+:

→ Without hiring bloated agencies,
→ Without stacking systems they don’t control,
→ And without burning out.

Seats are limited to 25 business owners.
This masterclass will not be public.

Register now to unlock the private pre-video series before we go live.

Save your seat: https://lnkd.in/dqNVxTFy

Suresh Mandal, Miriam Fettman and 49 other attendees

How Mission Driven Founders Make $1M–$10M+ With Buyer Psychology

There are two ways for Insurance Companies, Banks, Private Equity firms, MGAs, and insurtechs to approach complex risk in 2025:

1. Rely on generic solutions, potentially overlooking critical gaps.
2. Partner with specialized expertise that delivers clarity and tailored protection.

Many sit in the first category, often underserved by mega-brokers.

Your institution has unique strengths and ambitions. 

But is your risk management truly aligned? 

Or are you unknowingly exposed due to:

–  Coverage gaps hidden in the fine print?

–  Lack of access to sophisticated global markets?

–  Decisions made without credible peer data or advanced analytics?

–  Impersonal service that doesn’t grasp your specific operational realities?

The bigger problem?

You're leaving strategic advantage on the table and potentially facing significant financial or reputational risk down the line.

The solution?

Transform your risk management from a necessary cost center into a strategic asset through a bespoke, expert-driven partnership.

That’s my focus at LION Specialty.

My approach combines:

– Penetrating technical analysis honed by deep experience (including handling complex Fortune 100 accounts) to uncover what others miss.

– Global market access (London, Bermuda) and perspective, crafting solutions beyond standard domestic offerings.

– Process mastery & advanced analytics delivering clarity and confidence, not complexity.

– Authentic human connection, building partnerships that thrive.

(informed partly by my wellness background as a Pilates instructor… sustainable success requires balance)

–  Are you serious about closing critical coverage gaps?

–  Are you ready for risk management bespoke to your institution's needs?

–  Is it time for a partner who brings both sophisticated expertise and a refreshingly collaborative approach?

Let's connect and explore how we can elevate your strategy together.

Natasha Kiemnec

Today, I turn 38. 

I tell you this not because I want wishes of happy birthday but because each year on my birthday I go through successes,  “experiences”, and reflections of my prior year, so I thought I’d share a few here.

1. My parents being a plane ride away is too far. The older they get the more I realize how precious time is with them. Try to always be as kind and gentle with them as you can. 

2. Often in life we are blinded by our own bias. The thing you want most - fitness, that relationship, that money whatever it is, with some simple observation really isn’t that hard to achieve. Don’t over complicate. 

3. Relationships (with most people) are a balance of understanding. General frustration comes from a lack of feeling seen or understood. Patience, grace and understanding go along way. 

4. Be kind - I often watch people be unkind for no reason. 

5. Tale as old as time but work hard. A lot of struggle can be removed from simply putting your head down, keeping your mouth shut, and getting the work done. 

6. My mom used to always tell me to just start. Whenever I was stressed out and overwhelmed - just start. It’s still applicable now. 

7. To those who help - a partner, a coworker, an employee, a family member - you can’t be appreciative and grateful enough. There truly isn’t an end to being thankful. 

8. Have a passion that isn’t work. 

9. Get outside - take breaks. A 20 minute walk always helps. 

10. Always be learning. 

What reflections have you had on birthdays or during moments of pause?

Natasha I.  Kiemnec, ARM

Managing Partner & Co-founder of LION Specialty | Global Financial Institutions & Private Equity Broker | Classical Certified Pilates Instructor

No alternative text description for this image

If your CEO lies on an insurance application, does your D&O policy still protect you?

If you don't know the answer, you are personally exposed.

Insurance applications require a signature. Usually, the CEO or CFO signs it on behalf of the entire executive team.

But what if they hide a material fact?
What if they know about a pending SEC investigation and don't disclose it?

Under a standard D&O policy, the carrier can rescind (cancel) the entire contract if the application contains a material misrepresentation.

The carrier says: "The CEO lied. The policy is void."

You, the innocent board member or VP, are suddenly facing a lawsuit with zero insurance protection. Your personal assets are on the line because of someone else's fraud.

We manuscript "Full Severability" language into every D&O program.

This clause legally separates every insured person.
It dictates that the knowledge or fraud of one executive cannot be imputed (assigned) to any other executive.

If the CEO lies, the CEO loses their coverage.
But your coverage remains fully intact.

You cannot control the actions of every person in the C-Suite.
You can control the contract that protects you from them.

Check your D&O policy today. Look for the "Severability of the Application" clause.

If it says "Imputed to the CEO and CFO," you have a massive gap.

DM me "SEVERABILITY" and I'll review your language.

The most expensive gap in your insurance program isn't an exclusion.

It is a missing file.

Carriers deny more claims for "lack of substantiation" than for actual coverage disputes.
If you can't prove the loss, you don't get paid.

Most companies scramble to build the file after the crisis hits.
That is too late.
You are trying to find invoices and emails while your building is burning or your network is down.

The LION Process:
We build the documentation protocol before the policy binds.

1. The "Day One" Folder
We establish exactly what the adjuster will ask for.
Payroll records. Vendor contracts. Asset lists.
We keep them staged and ready.

2. The Communication Log
During a claim, every phone call needs a follow-up email.
"As we discussed..."
If it isn't written down, it didn't happen.

3. The Timeline
We map the event minute-by-minute.
"Breach detected at 4:02 PM. Counsel notified at 4:15 PM."
Precision kills ambiguity.

An adjuster's job is to ask questions.
Our job is to have the answers ready before they ask.

Is your claim file ready for an audit today?

DM me "DOCUMENT" and I'll send you our claim substantiation checklist.

The insurance industry was built for buildings that burn.

The economy runs on digital infrastructure that just stops working.

There is a trillion-dollar gap in the global insurance market.
It is called Non-Physical Damage Business Interruption (NDBI).

Most property policies require "direct physical loss or damage" to trigger coverage.
A fire. A flood. A hurricane.

But what happens when a cloud provider goes down?

What happens when a payment gateway fails?
What happens when a DNS attack takes your platform offline?

There is no "physical damage."
The servers are fine. The building is standing.
But your revenue has stopped.

Traditional policies say: "No physical damage? No claim."

You are left absorbing millions in lost revenue while paying premiums for a risk that doesn't match your reality.

We don't rely on "Property" forms for digital risks.
We build Parametric triggers and System Failure coverage that responds to the outage, not the damage.

If the network is down, the policy pays.
It doesn't matter if the server room burned down or if a software update just failed.

The loss is the same. The coverage should be too.

Does your Business Interruption policy require "physical damage" to pay?

If you are a digital business, that clause is a trap.
DM me "NDBI" and I'll review your trigger language.

Your insurance policy doesn't protect you the day it binds.

It protects you the day your team knows how to use it.

Most brokers view the "Bind Date" as the finish line.

The invoice is sent. The commission is earned. The file is closed until next year.

That is exactly when the real risk begins.

A $10M D&O policy is useless if your General Counsel doesn't know the exact trigger for notifying a claim.

A Cyber policy is worthless if your Incident Response team calls the wrong vendor during a ransomware attack.

While we bind, we make sure that the team knows how the policy works. 

We don't hand you a 200-page PDF and say "good luck."

We sit down with your CFO, your GC, and your Risk Manager.

1. The Trigger Map
We map out exactly what constitutes a "Claim" under each policy. (Is a subpoena a claim? Is a regulatory inquiry a claim?)

2. The Call Tree
We build a one-page protocol. If X happens, call Y. We establish the pre-approved vendors and legal counsel so you aren't negotiating rates while your servers are locked.

3. The Exclusions Briefing
We highlight exactly what is not covered, so your team can build operational controls around those specific risks.

Insurance is not a document you file away.
It is an asset you have to know how to deploy.

When was the last time your broker trained your team on how to actually use your coverage?

DM me "PROTOCOL" and I'll send you our activation checklist.

A green light in the server room does not mean your business is recovered.

But your insurance carrier might think it does.

We are seeing a dangerous trend in Cyber claims.
Carriers are cutting off Business Interruption payments the moment the "computer network" is technically restored.

They argue: "Your servers are up. The claim is over."

Your servers are up, but your business is still bleeding.
You are reconciling lost data. You are re-indexing files. You are working through a massive backlog of manual entries. You are waiting for vendors to re-certify your connections.

The "outage" is over, but the financial loss is just beginning.

We audit the definition of "Period of Restoration."

If your policy says the period ends when the "Network is Restored"... you are exposed to the post-breach drag.

We clarify the language to reference "Restoration of Business Operations to the condition that existed immediately before the breach”

This ensures the policy pays until your revenue and throughput return to pre-incident levels—not just when the IT ticket is closed.

Do not let a forensic accountant tell you when your business is back to normal.
Let the contract dictate it.

Check your Cyber policy today. Search for "Period of Restoration."

Does it say "Network" or "Operations"?

The difference is your entire Q3 profit margin.
DM me "RESTORE" and I'll review the definition.

You wouldn't hire a CFO based on who has the cheapest laptop.

So why do you hire a broker based on who has the cheapest quote?

Most companies run their insurance RFP like a commodity purchase.

"Here is our data. Go get quotes. We will pick the lowest premium."

This is a trap.
You are incentivizing your broker to strip coverage to hit a price target.

The LION Process:
When you hire a broker, you are hiring a defense team.

You don't ask a heart surgeon for a discount. You ask for their success rate.

The 3 Questions You Should Ask:

1. "Who is on my team?"
Not the sales guy. The technical broker. The claims advocate. I want to see the resumes of the people protecting my balance sheet.

2. "Show me a manuscript."
Don't tell me you can improve coverage. Send me a redacted policy you wrote. Let me see the actual words you changed.

3. "Walk me through a denial."
Tell me about a claim you fought and won. If you haven't had to fight, you haven't been doing this long enough.

Stop buying insurance.
Start hiring expertise.

Are you running an RFP this year?

DM me "RFP" and I'll send you the Broker Evaluation Scorecard we wish every client used.

Bankruptcy doesn't just freeze your assets.
It can freeze your insurance defense.


A portfolio company filed Chapter 11.

The directors were sued immediately for "breach of fiduciary duty."

They called the insurer to pay for their defense.

The Bankruptcy Trustee stepped in.

"That policy is an asset of the estate. You cannot deplete it to pay for legal fees."

The directors were left paying $800/hour lawyers out of their own pockets while a $5M policy sat frozen in court.

We structure "Priority of Payments" clauses into every D&O program.

This language dictates that in the event of bankruptcy, the insurer must pay the individual directors first.

The estate only gets what is left over.

We also add "Side A" DIC (Difference in Conditions) coverage that sits completely separate from the corporate balance sheet.

You don't need insurance when things are going well.

You need it when the walls are closing in.

If your policy isn't bankruptcy-proof, it’s not finished.

Does your policy have a "Priority of Payments" clause?

DM me "PRIORITY" and I'll show you where to look.

The thing about being a woman 


Is that for every moment someone called you

Emotional 
Indecisive 
Quiet 
Irrational 
Bitchy 

May have actually been moments where you were reacting to something not quite right. 

As times have shifted in the past ~10 years, since reading Lean In by Sheryl Sandberg, and hearing Codie A. Sanchez  talk about your haters actually being your fans, I’ve realized it’s less about us reacting in any of those emotions, it’s being told that we’re wrong to have them. 

When actually those emotions might actually be our super powers. 

When used to accurately judge a situation, treat people with kindness, grace, more humanness - that isn’t emotional - it’s power. 

So to all the women out there
leaning in
guiding with grace
remember those names are actually your power. 

Happy International Women’s Day 💕

PS. Two of my absolute favorite women (my aunt and mom)

Five events since 2017. Combined losses from billions to trillions. Physical damage across all five: zero.

NotPetya. 
The 737 MAX grounding. 
COVID-19 shutdowns. 
The Ever Given. 
CrowdStrike.

We went line by line through the coverage implications this week. The exposure class is Non-Damage Business Interruption, and for financial institutions running digital-first operations on legacy programs, the gap between what can shut you down and what your policy actually covers is measured in trillions.

But the article that stopped me was a Law360 piece on cyber policy restoration periods.
The distinction between “operations-focused” and “network-focused” language in your period of restoration definition is outcome-determinative. 

One version covers you through the full resumption of normal business activity. The other stops the clock the moment someone reboots a server — even partially.

That’s the kind of clause that determines whether your next cyber claim pays for twelve weeks of operational drag or cuts off at week two. 

Silence in insurance is dangerous. Especially in the definitions section.

We covered all of it in this week’s Friday Five, plus a forward look at parametric capacity that could compress payout timelines from months to days.

P.S. link in comments. 

P.S.S. Part 1 of our Wednesday Intelligence miniseries on deepfakes is live. What happens when bad guys deepfake your CEO — and six questions for your next renewal. Link in comments.

A finance director joined a video call with his CFO, his CEO, and two colleagues.
None of them were real.


$25.6 million gone across 15 transactions before anyone caught it.

That was Arup, a global engineering firm, early 2024.

Attackers built real-time deepfake replicas of multiple executives on a live video conference. Convincing enough to override every instinct a trained finance professional had.

Financial institutions should pay close attention.

Your executives sit on hundreds of hours of public video and audio. 
Earnings calls, conference panels, LinkedIn clips, webinars. 

Every recording is training data for the next synthetic clone.

We just published Part 1 of our Deepfakes Miniseries in the Wednesday Intelligence. 

We mapped a deepfake loss across a typical FI insurance program, and the coverage fractures fast.

Most social engineering endorsements still require the instruction to arrive via email or written communication.

A deepfake video call? May not qualify.

Then there are the AI exclusions now spreading through D&O, E&O, and cyber forms. Broad language excluding claims "arising out of or related to artificial intelligence" can swallow a deepfake event whole. Even when the insured was the victim.

No single policy owns the full loss. And most of these wordings were written before attackers could clone your CEO's face.

We break down where the gaps hide, which carriers are already adapting, and six questions to bring to your next renewal.

Reply "DEEPFAKE" and we'll send our one-page Coverage Gap Checklist.

P.S.  this is only for those of you that are buyers of insurance!!

Your employee didn't get hacked.
They got tricked.

And your insurance policy treats those two things very differently.

A controller gets an email from the "CEO."
"Please wire $500,000 to this vendor immediately for the acquisition."
The email looks real. The tone is urgent.
The controller wires the money.

You file it under your Crime policy.
The carrier points to the "Voluntary Parting" exclusion.

"Your employee voluntarily sent the money. This wasn't theft. It was a mistake."

Or they point to the "Social Engineering" sub-limit.

"We cover this, but only up to $100,000."
You just lost $400,000.

We don't accept $100k sub-limits for the biggest risk you face.
We manuscript the definition of "Computer Fraud" to include "Social Engineering" and "Impersonation Fraud."

We stack the Crime policy limits with the Cyber policy limits to ensure you have full tower protection, not just a sliver.

If your policy penalizes you for being human, it’s the wrong policy.

Check your Crime policy today. Look for the 

"Social Engineering" endorsement.
Is it $5M or $100k?

DM me "FRAUD" and I'll review your limits.

There is a question plaintiff attorneys will ask after every data breach in 2027.
Most boards haven't even heard the premise yet.

"Did you use AI-powered security scanning tools to check your code?"

If the answer is "No," you might be negligent.

Last week, Anthropic released an AI tool that scanned production codebases and found 500+ vulnerabilities that human experts missed for 20 years.

These weren't minor glitches. They were exploitable flaws hiding in plain sight.

Traditional scanners check for "locked doors" (passwords, encryption).
AI checks for "structural weakness" (broken business logic).

We saw this with MFA.

Three years ago, Multi-Factor Authentication was "nice to have."

Today, if you don't have it, you are uninsurable.

AI code scanning is next.

When a defensive tool becomes widely available and highly effective, failing to use it stops being a "resource decision."

It becomes a "breach of fiduciary duty."

The window between discovery and exploitation is compressing from weeks to hours.
Your defense needs to move at the same speed.

Is your board asking about AI security, or are they waiting for the lawsuit?

We put together a one-page AI Security Standard-of-Care Checklist — 10 questions your board should be asking before your next renewal. 

The carrier application changes already in motion. The specific coverage intersections across cyber, tech E&O, and D&O. 

What the standard of care looks like now, not 12 months from now.

Comment CHECKLIST and I'll send it over.

Two federal courts ruled on AI and privilege the same week.

One said consumer AI destroys confidentiality. The other said AI is a tool, not a person, and work product survives.

Both issued February 10, 2026.

Here's why this matters for carriers and the institutions we serve:

In Heppner (SDNY), a defendant used the free version of Claude to draft 31 defense strategy documents without his lawyer's involvement. Judge Rakoff held that Anthropic's privacy policy, which permits data training and disclosure to regulators, destroyed any expectation of confidentiality. No privilege. No work product protection.

In Warner (E.D. Michigan), a pro se plaintiff used ChatGPT to prepare litigation materials. The court denied the defendant's request to compel those materials, holding that compelling production "would nullify work-product protection in nearly every modern drafting environment."

Same technology. Opposite conclusions. The difference came down to two things: attorney direction and platform terms.

We also dug into a 108-page bad faith report from Freeman Mathis & Gary covering 26 states. We stripped the auto cases and pulled the P&C patterns:

Safe harbors are crystallizing in Indiana and Florida 

Communication failures carry compounding penalties in Pennsylvania 

Coverage drafting precision is being rewarded across multiple jurisdictions

And a federal court allowed bad faith claims to proceed against an insurer using undisclosed AI in claims handling. If your adjusters are confirming algorithmic output rather than conducting independent investigations, the file tells that story.

Silence in insurance is dangerous. 

That applies to AI governance too.

This week's Friday Five Boardroom Brief breaks down all three developments with Monday morning action items.

Comment BRIEF if you're not on our list.

P.S. The Heppner opinion is 12 pages. The Warner order is 14. Both are worth the read if you're advising clients on AI use policies.

The Mega-Broker staffing gap is structural, not accidental.


If your premium falls below their threshold, the specialist team doesn't show up.

We recently took over a D&O account for a mid-market financial institution.

They had been operating under an extended reporting period. The directors didn't even have current limits.

When a claim hit, every weakness in their broker's process was exposed: no communication runway, and no renewal strategy worth the name.

We didn't do anything complicated.
We just ran the process that should be standard.

We put a senior specialist team on the account.
We started the renewal 150 days early.

We got the client directly in front of the carriers.

We ran a disciplined marketing process with enough time to maneuver.

Reduced premium. Refreshed limits. Current coverage for the board of directors.

The mega-broker they fired had the capability to do everything we did.

They have specialist teams. They have carrier relationships.

They just didn't deploy any of it on this account because the economics didn't justify it.

Below a certain revenue threshold, you get the regional office. You get the generalist. You get the 60-day compressed timeline.

When everything runs smoothly, you might never notice the difference.

But claims don't ask if the A-team is assigned to your account.

Regulatory inquiries don't care if your renewal started 150 days out or 60.

How do we know?
We lived it for two decades. We worked inside those machines.

The moment complexity arrives, the gap between "process" and "improvisation" becomes very expensive.

Who is actually doing the work on your account?
Not the name on the proposal. The team doing the daily work.

If the answer gives you pause, that's the conversation worth having before the next claim forces it.

If you’re interested in the story, check out our Wednesday intelligence which went out today. Comment “WEDNESDAY” and I’ll add you to our distribution.

Check our the podcast version of our Wednesday intelligence!

There are 48 approved Lloyd's war exclusion wordings for cyber.

Forty-eight.

And attribution of a state-sponsored cyber attack takes years. Sometimes longer than the policy period.

I spent the week going line by line through the Trellix threat intelligence assessment that dropped March 5. 

Ten active Iranian cyber groups. 

MuddyWater targeting a financial institution in Egypt. 

CyberAv3ngers building custom malware for operational technology in the US. Rust-based payloads. AI-assisted development. 

The technical evolution is real.

But what matters to our clients isn't the malware taxonomy. It's the coverage question.

If a regional bank or community hospital on your book gets hit with ransomware traced to an IRGC-linked group, you're looking at a war exclusion dispute before the forensic report is final. 

The wording matters. 

The classification matters. 

The difference between "hostile cyber activity" and "cyber war" in your manuscript language could determine whether a claim pays or fights.

That's before you connect it to the reinsurance repricing. Seven of twelve P&I clubs cancelled war-risk cover. 

Maritime premiums surged over 1,000%. 

And Morningstar DBRS warned they'll raise attachment points on treaties that have nothing to do with the Gulf.

Your producers should be walking into client meetings this week with three questions:

What does your cyber war exclusion actually say? 

When was the last time anyone reviewed it against the LMA classifications? 

Does your incident response plan contemplate a state-sponsored attack during active military conflict?

We break down all three channels in this week's Friday Five Boardroom Briefing. 

Comment NEWSLETTER for the link.

The worst time to discover your insurance carrier's claims philosophy is during a claim.


A $10M limit from Carrier A looks exactly the same as a $10M limit from Carrier B on a spreadsheet.

The premium might even be 5% cheaper.

But that spreadsheet hides the reality of the transaction.

It doesn't show you their litigation history. It doesn't show you their default response to a complex loss.

We vet the claims department before we look at the premium.

1. The Philosophy Audit
We track how carriers behave under pressure. We know which markets actively look for ways to pay, and which ones immediately draft "Reservation of Rights" letters to protect themselves.

2. The Authority Check
We identify who actually holds the pen. If your underwriter has to ask a committee in another time zone for permission to settle, your recovery will stall. We place business with direct decision-makers.

3. The Syndicate Alignment
When we build a tower in London, we don't stack random capacity. We align markets that have a proven history of following the lead carrier without friction.

Cheap capacity is easy to find.
Reliable capital requires a rigorous selection process.

Do you know the claims’ reputation of the carriers on your current tower?

DM me "CAPITAL" and I'll tell you how they actually perform under pressure.

taplio

The Battle

Sara Simmonds

Natasha Kiemnec

Followers

Posts

Engagements

Likes

Performance ScoreSara Simmonds's LinkedIn Performance

Performance ScoreNatasha Kiemnec's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Sara Simmonds

Natasha Kiemnec

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Sara Simmonds's LinkedIn Performance

Performance ScoreNatasha Kiemnec's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreSara Simmonds's LinkedIn Performance