Cyber Liability

Our programs offer cyber liability coverage for a wide range of industries, providing worldwide protection for businesses and professionals domiciled across the U.S. Designed to meet the evolving risks of diverse sectors, coverage is available for financial institutions, architects & engineers, auto dealers, accounting firms, construction, education, healthcare, hospitality, law firms, logistics, manufacturing, non-profits, real estate, restaurants, retail, technology, professional service firms, and more.

With policy limits available up to $15,000,000 aggregate, our programs offer primary and excess products tailored to firms of all sizes. Deductible options provide affordability and accessibility. Broad first and third-party coverage is provided, including Technology Errors & Omissions when required. Dedicated 24/7 data breach response services and claim support provided by Cypher and a panel of leading legal counsel, consumer remediation and crisis communication firms allowing for efficient and responsive claims resolution*.

Backed by expert underwriting and complimentary post-binding risk management resources, our programs offer tailored cyber liability coverage designed to address the evolving and complex risks associated with data breaches, cyberattacks, and digital threats. Focusing on mitigating financial losses, regulatory penalties, and reputational damage, policyholders receive customized solutions that safeguard against the unique challenges of cyber threats specific to their industries.

Insurer:  Insurance written by carriers rated “A+” by A.M. Best

Jurisdiction:  US domiciled with worldwide coverage

Limits:  Up to $15,000,000 (primary and excess)

Target appetite: Broad array of industries including financial institutions; education; healthcare; hospitality, law firms, logistics, manufacturing; real estate; architects & engineers; accounting firms, auto dealers, construction, non-profits; restaurants; retail; technology, professional service firms, and more.

Coverage Features:

  • Technology Errors & Omissions available (packaged only)
  • Computer Fraud, Social Engineering Fraud & Telecom Fraud 
  • Claims Support – Delegated settlement authority up to $250,000*
  • Computer System Interruption / System Failure
    • No waiting hour period for insured, 8 hours for vendors*
  • Crisis Response
  • Cyber Extortion
  • Data & Software Restoration 
  • Bricking
  • Digital Media Liability Cover / Intellectual Property
  • PCI-DSS Assessment
  • Post Breach Remediation
  • Privacy Breach and Other 3rd Party Liability (i.e., regulatory action, CCPA, BIPA, GDPR, etc.)
  • Regulatory Investigation & Fines
  • Reputational Damage
*Coverage features and vendor support may vary depending on insured’s size and policy specifics
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The operations described herein are conducted by Freberg Environmental, LLC. (“Freberg”). Vindati, LawyerGuard and Celerity Pro are all part of Freberg (In California, FEI Insurance Services, License # 0G89298). Some products may only be available in certain states, and some products may only be available from surplus lines insurers.

Rich Sheldon

Chief Growth Officer
Rich has over 35 years of environmental and insurance industry experience. He joined Freberg in 2025 to assist with new product development and marketing/distribution strategy.

He began his career as an environmental project manager, performing sampling investigations of potential Superfund Sites under the direction of the USEPA. Rich moved into the environmental insurance field, first as a risk control consultant, and then as an underwriter, focused on alternative risk options for environmental exposures. He was recruited as a founding member and PLL underwriting manager for Kemper Environmental, overseeing a staff of underwriting, loss control and claims management personnel; and ultimately growing its PLL business to over $100M in GWP.

After 12 years on the underwriting side of the business, he shifted into specialty broking. Rich spent the majority of his broking career with WTW, where he served over the years as a Producer and Regional Manager, Environmental Practice Leader, Head of Specialty Broking, and Senior Director of Carrier Relations. As a part of the Carrier Relations team, he was responsible for leading governance reviews with clients and carriers, addressing escalation matters, developing products and cross-selling across the enterprise, and complex claims intervention and resolution strategies.

Education & Affiliations

Rich holds a Bachelors in Geology / Physics from Bloomsburg University of PA, and a Masters in Business / Environmental Health from West Chester University of PA. He has also received his Associates in Risk Management from the Insurance Institute of America. Rich serves as a Board Member for the Pennsylvania Organization of Watersheds and Rivers (POWR).

Brandon Turner

Program Manager - Environmental Engineers, Consultants, & Contractors
Brandon brings 10 years of environmental underwriting insurance experience to Freberg Environmental and is currently the ECC Program Manager. Prior to joining Freberg, Brandon was employed by Argo Group, where his most recent position was Assistant Vice President of Environmental. As an environmental underwriter, he has underwritten environmental General Liability, Contractor Pollution Liability, Professional Liability, Premises Pollution Liability, Auto Liability, Workers Compensation, Follow Form Excess Liability, and Unsupported Excess Liability. ​
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Prior to Brandon’s 10 years of experience in underwriting, he worked in other areas of insurance, such as claims and personal lines. He initially started working in the personal lines sector of insurance at a local insurance agency while he was attending college. After he graduated from the University of Kansas, Brandon wanted to continue his insurance career and took a position working in claims. After 4 years of working in the claims department he wanted to find a new challenge. Brandon found an opportunity to continue to grow his insurance career in underwriting and has been underwriting ever since.

Education & Affiliations

Brandon earned his BGS in economics with a minor in business from the University of Kansas and his MBA with an international business concentration from Baker University.

Penny Baker

Program Manager - Hazmat Commercial Auto
Penny Baker has a track record of building successful underwriting teams and strong agency relationships, which aligns with the goals for the hazmat trucking division. Acting as program manager, Penny leads a team of experienced underwriters and support staff while providing agent support and carrier program management.​

Education & Affiliations

Penny has insurance licenses in property, casualty, life, health and surplus lines since 1996 in multiple states. She received her degree in business management from Western Washington University.​

David Brereton

Program Manager - Environmental Impairment Liability
David Brereton joined Freberg Environmental (FEI) in 2004 as an
Environmental Impairment Liability (EIL) underwriter. He was promoted to Program Manager of the EIL program in 2010. In his role, David oversees and manages the underwriting of fixed-site pollution and associated package business. ​
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David brings over 20 years of experience in environmental consulting, environmental regulation, and environmental insurance. His experience includes nine years as a senior consultant at Advanced Analytical Solutions, Inc. where he consulted primarily on questions of cost allocation at federal and state cleanup sites. David also worked as an Industrial Waste Survey Technician at Metro Wastewater District in Denver, Colorado. Prior to joining FEI, he was an underwriter for AIG Environmental in Denver, Colorado. At AIG, David focused primarily on secured creditor fixed-site pollution coverage.

Education & Affiliations

David earned his B.A. in Political Science as well as M.S. in Environmental Policy and Management from the University of Denver.

Jeff Miller

Head of Claims
Jeff Miller joined Freberg Environmental (FEI) in 2022 as Head of Claims. Jeff, who is a U.S. Navy submarine veteran, brings over 20 years of claim experience in health, dental professional liability, supplemental and workers’ compensation as well as asbestos and environmental insurance and reinsurance. Prior to joining FEI, he was a claims analyst for Old Republic International Corporation responsible for treaty and facultative run-off claims involving asbestos, environmental, workers’ compensation and personal injury protection claims.

Education & Affiliations

Jeff earned his B.S. in finance with a minor in management from Northeastern Illinois University in Chicago.

Julia Burns

Head of Operations & Systems
With over a decade of experience in insurance operations and business systems, Julia Burns currently serves as Head of Operations & Systems at Freberg Environmental. In this role, she leads strategic initiatives to streamline workflows, optimize technology platforms, and drive operational efficiency. Her background includes deep expertise in underwriting operations, systems management, and process improvement—consistently solving complex challenges at the intersection of insurance and technology. Prior to her current position, Julia held progressive leadership roles at both Freberg Environmental and ICAT, building a strong track record of delivering scalable solutions and operational excellence.

Education & Affiliations

Julia has a B.S. in environmental science from Simmons College.​

Reneé Miller

Chief Underwriting Officer
Reneé Miller joined Freberg Environmental (FEI) in 2015 as the Program Manager for FEI’s Environmental Engineers, Consultants and Contractors (ECC) lines of business. In 2016, Reneé was promoted to the role of Chief Underwriting Officer. In this position, Reneé leads all FEI programs, including environmental consultants, contractors, site pollution, commercial auto and professional liability lines.​
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Reneé has over 20 years of experience in environmental insurance, environmental consulting, and hazardous waste management. Prior to joining FEI, Reneé was employed at Zurich North America where she held the position of environmental underwriter for 13 years, and international construction underwriter (including international environmental contracting) for three years.​
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As an environmental underwriter, Reneé has underwritten operational exposures associated with environmental contractors, professional liability of environmental consultants, professional liability of architects and engineers, environmental impairment liability coverage and associated commercial general liability. Prior to underwriting, Reneé worked for a national Hazardous Waste Disposal company, at which she provided technical assistance as to the proper treatment and management of waste and supported the customer base through thorough knowledge of hazardous waste regulations. Prior to the hazardous waste industry, she worked for a national environmental consulting firm.​
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Education & Affiliations

Reneé has a B.S. in Natural Resource and Environmental Science from the University of Illinois.

Stacy Brown

President & CEO
Stacy brings over 28 years of experience in the insurance and environmental consulting industry to this role. He joined Freberg in 1998 and has served as president for the past nine years. ​
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Stacy was hired to develop FEI’s site-specific pollution (EIL) program. Since program inception in 2001, the EIL program has developed into one of FEI’s most profitable programs. Additionally, Stacy has developed and brought to market several new insurance programs, including architects and engineers’ professional liability, site specific pollution, petroleum storage tank, products pollution and excess auto liability. Stacy is the co-author (with FEI's founder, Mike Hill) of an award- winning loss control book, Understanding and Managing Risk: A Handbook for Environmental Consultants and Contractors.​

He has brought a wide range of insurance, environmental and construction experiences to FEI. Stacy’s career includes work with a NYSE-listed engineering firm, the U.S. Forest Service and a municipal
waste authority. Prior to joining FEI in 1998, he spent eight years as an environmental scientist and project manager for Dames & Moore (now URS), a large multi-national environmental and engineering firm.

Education & Affiliations

Stacy has a B.S. in Environmental Science from Marist College in Poughkeepsie, NY and he received his M.B.A from the University of Phoenix in Denver, CO.