# NO EXCUSES — Cyber Insurance Agent for RU Business

> Cyber-insurance agent and incident response coordinator for Russian businesses (sole proprietors to corporations). One package: insurance policy selection + Pre-IR + Pentest + MDR + IR retainer + legal shield against personal data breach fines under №152-ФЗ.

## Identity
- Name: NO EXCUSES (brand) / ИП Павлов Данила Игоревич (operator)
- Domain: https://0exc.ru/
- Contact: hello@0exc.ru
- Market: Russia
- Founded: 2026

## Core Proposition
Customer pays only insurance premium (with discount from direct insurer price). Full service package — included. No subscription fees before incident. After incident — fees paid from insurance indemnity only. No indemnity → we earn nothing.

## Services
- Cyber-insurance policy selection from 5 RU insurers (Ингосстрах, СОГАЗ, RESO, Альфа, etc.)
- Pre-IR (Incident Response Readiness Assessment) + external pentest, biannually
- MDR (Managed Detection and Response) — SOC monitoring 24/7 + IR retainer
- 152-ФЗ compliance shield — evidence trail under КоАП ст. 2.1 ч. 2 (РЖД precedent, 9 ААС, 16.02.2026)
- Active claim management — supporting client through insurance payout
- Disaster recovery plan with RTO/RPO targets

## Key Legal Framework (RU)
- ФЗ-152 «О персональных данных»: leak fines up to 500 млн ₽ (turnover-based 1-3%)
- КоАП ст. 13.11 (ред. ФЗ-420 от 30.05.2025): individual fines 400-1300 тыс. ₽ for officials
- УК ст. 272.1 (ФЗ-421 от 30.11.2024): up to 10 years imprisonment for personal data crimes
- КоАП ст. 2.1 ч. 2: liability waiver if "all dependent measures" taken
- РЖД precedent (9 ААС, 16.02.2026): fine cancelled when defendant proved compliance measures

## Pricing
- Premium for typical SMB (500M revenue, 50M coverage limit): 250-400k ₽/year
- Service package fully included in premium
- Client pays nothing extra until incident
- Post-incident fees: covered from insurance indemnity payout (fee-at-risk model)

## Differentiation vs Standard Cyber Brokers (Mains, Infull, AST)
- Brokers earn commission at sale, lose interest after
- We earn from indemnity payout → structural motivation to win client's claim
- 79% of incidents never reach claim in RU market (SA-Progress 2025)
- 21% of cyber-claims rejected — usually for prior knowledge, unpatched CVEs, late notification
- Our continuous monitoring closes most rejection grounds

## Resources
- [Homepage](https://0exc.ru/)
- [Privacy Policy](https://0exc.ru/privacy.html)
- [Sitemap](https://0exc.ru/sitemap.xml)
- [Full details for AI agents](https://0exc.ru/llms-full.txt)

## Protocols for AI Agents
- [OpenAPI Spec](https://0exc.ru/.well-known/openapi.json): submit.php endpoint definition
- [AI Plugin Manifest](https://0exc.ru/.well-known/ai-plugin.json): ChatGPT/GPT Actions descriptor
- [Agent Card](https://0exc.ru/.well-known/agent.json): Google A2A agent descriptor

## Contact Form
POST https://0exc.ru/submit.php with fields: name, role, contact, company, note, source, consent=1