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Customer Stories

See why companies, business owners, and entrepreneurs throughout the country trust Layr to provide them with the insurance and protection they need to succeed.

Monthly business insurance payments are a game-changer in smoothing out cash flow for cyber-security training startup Curricula.


Security awareness training for employees delivered using short, relatable stories about actual cyber-attacks. https://www.getcurricula.com

<span>Nick Santora</span><br />CEO

With Nick Santora

Policies Purchased

  • Business Owners Policy
  • Cyber Liability
  • Tech E&O
  • Workers Compensation

Curricula teaches companies how to defend themselves against cyber-attacks. Their unique security awareness training program is designed like a Netflix series, offering employees new episodes that release throughout the year covering cyber-security topics such as phishing, social engineering and protecting sensitive customer information. As part of its platform, Curricula customers can even “hack” their own employees with simulated phishing tests. This allows companies to identify which employees may be more susceptible to falling victim against real-world hackers. This novel cyber service is now used by everyone from state agencies to law firms, professional sports teams, universities and many high-growth startups in the country.

Layr isn’t just another insurance broker pushing paperwork. They took the time to learn our business model and answered detailed questions about our coverage.
Nick Santora
CEO at Curricula

As Curricula has grown since its inception in 2015, so has its insurance needs. “Most of our larger contracts require professional liability, technology errors and omissions and cyber liability insurance,” explains Nick Santora, CEO of Curricula. “Being in the cyber-security space, we hold quite a lot of data about our clients’ employees and have to protect ourselves from a data breach on our end. We need to practice what we are preaching!”

As Santora searched for a new insurance provider who understood Curricula’s niche cyber industry, he found that most were more focused on sales and not too knowledgeable of the detailed insurance policies it required. Until he spoke with Layr, that is.

A Highly Informed Commercial Insurance Team

While the Layr platform is digital, its team puts a strong emphasis on providing personable, quality service to its customers. Every member of the Layr team is well-versed in the commercial insurance requirements of modern-day, technology-forward businesses—knowledge that trickles down from the top. For the majority of his career, Co-Founder and CEO Phillip Naples was a commercial insurance broker who focused heavily on technology businesses.

“Layr isn’t just another insurance broker pushing paperwork. They took the time to learn our business model and answered detailed questions about our coverage,” Santora says. “They looked at our entire policy, how it was underwritten, who handles it, why we have the coverage that we do and our coverage areas, all while explaining the whole policy to me in a way that makes sense. I find a lot of benefit in how informative they were. I didn’t get that from their competitors who were just selling the policy without truly understanding our insurance situation.”

“We regularly talk about how the Layr experience includes optional human contact because many of our customers, with the help of our technology, get the right business insurance for their companies without speaking to us. However, insurance is a critical layer of protection and despite our digital process, there is a team of licensed and knowledgeable insurance experts behind the scenes ready and willing to learn the unique risks our customers face,” explains Phillip Naples, co-founder and CEO of Layr.

Unique Payment Terms That Benefit Small Businesses

While the team at Curricula was impressed with Layr’s customer-centric approach and level of expertise in cyber insurance, that was just icing on the cake. Layr’s monthly credit card payment offering was what actually sealed the deal. “Monthly credit card payments for our policies smoothed out cash flow. This unique feature allows us to continue operating our business without worrying about a huge upfront cash payment at renewal time once a year,” Santora notes.

“In speaking with founders and business owners across industries, the cash flow burden created by pay-in-full requirements was universal. The modern business owner needs the ability to pay for insurance the way they pay for every other business service: monthly and with a credit card. We meet that need,” says Andrew Egenes, co-founder and head of product of Layr.

As a startup founder, you would be silly not to choose this company. No other insurance provider is doing monthly payments.
Nick Santora
CEO at Curricula

Santora adds, “As a startup founder, you would be silly not to choose this company. No other insurance provider is doing monthly payments. Everyone wants you to pay cash out of bank account upfront for the whole premium.”

The combination of flexible payment terms, cyber insurance expertise and polished customer service made Layr the right commercial insurance choice for Curricula.

Curricula's Favorite Benefits

Customer Support

Our in-house and licensed customer advocates are always available and ready to help.

Payment Flexibility

We allow customers to pay for their business insurance monthly and with a credit card.

More Benefits