United States 119th Congress Status: In Committee Bipartisan · 1 D · 1 R cosponsors

S 245 — Insure Cybersecurity Act of 2025

Last action — Placed on Senate Legislative Calendar under General Orders. Calendar No. 90.

Track this bill free

No card. One bill, free forever — alerts when it moves.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced January 24, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Advancing 34% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 2 sponsors

    1 primary, 1 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (1 D · 1 R) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Insure Cybersecurity Act of 2025This bill requires the National Telecommunications and Information Administration (NTIA) to establish a working group on cyber insurance policies. Under the bill, these are defined as policies that offer coverage for losses, damages, and costs incurred due to cyberattacks and related incidents.The working group is directed to analyze and address issues in the cyber insurance market facing both insurers and their customers. Specifically, the working group must develop information for customers on how to effectively evaluate policy options, and for insurers on how to clearly communicate with customers regarding policy provisions.Additionally, the working group is directed to analyze and explain in layman’s termsterminology commonly used in cyber insurance policies, including terminology used to include or exclude coverage for losses from cyber incidents;how common policy provisions correspond to cyber incidents and potential responses, including ransomware and potential ransom payments; andconstraints faced by insurers in covering higher losses in cyber risk areas, such as reputational damage and loss of intellectual property.At the conclusion of the working group's term, NTIA must publish and disseminate informative resources for cyber insurance stakeholders, including any recommendations formulated by the working group.

Bill Text

What changed in the latest version

9 added · 2 removed

Plain-language change summary

The changes involve the deletion of the introductory language stating that the bill was introduced in the Senate. Instead, the text now reflects that the bill has been reported by Mr. Cruz without amendment. This clarification streamlines the document by removing preliminary details and focuses on the bill's current status in the legislative process.

→
Previous
Latest
245 Introduced in Senate (IS)] <DOC> 119th CONGRESS 1st Session S.
245 Reported in Senate (RS)] <DOC> Calendar No.
245 To require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes.
90 119th CONGRESS 1st Session S.
245 [Report No.
119-28] To require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes.
which was read twice and referred to the Committee on Commerce, Science, and Transportation _______________________________________________________________________ A BILL To require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes.
which was read twice and referred to the Committee on Commerce, Science, and Transportation June 9, 2025 Reported by Mr.
Cruz, without amendment _______________________________________________________________________ A BILL To require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes.
<all>
Calendar No.
90 119th CONGRESS 1st Session S.
245 [Report No.
119-28] _______________________________________________________________________ A BILL To require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes.
_______________________________________________________________________ June 9, 2025 Reported without amendment
⬇ Download PDF
View plain text versions (2)

What Congress says this changes

S. Rept. 119-28

Published by the reporting committee Not generated — this is the committee's own “Changes in Existing Law Made by the Bill, as Reported”.

The committee states that this bill does not amend existing law. (S. Rept. 119-28)

Source: S. Rept. 119-28 · govinfo

Action History

  1. Committee on Commerce, Science, and Transportation. Reported by Senator Cruz without amendment. With written report No. 119-28.

  2. Committee on Commerce, Science, and Transportation. Reported by Senator Cruz without amendment. With written report No. 119-28.

  3. Placed on Senate Legislative Calendar under General Orders. Calendar No. 90.

  4. Committee on Commerce, Science, and Transportation. Ordered to be reported without amendment favorably.

  5. Introduced in Senate

  6. Read twice and referred to the Committee on Commerce, Science, and Transportation.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 1 co-sponsors · 545 not signed on

Sponsors (1)

Co-sponsors (1)

Not signed on (545)

545 members have not signed on to this bill.

Show all 545 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance technology
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 245 do?
Insure Cybersecurity Act of 2025This bill requires the National Telecommunications and Information Administration (NTIA) to establish a working group on cyber insurance policies. Under the bill, these are defined as policies that offer coverage for losses, damages, and costs incurred due to cyberattacks and related incidents.The working group is directed to analyze and address issues in the cyber insurance market facing both insurers and their customers. Specifically, the working group must develop information for customers on how to effectively evaluate policy options, and for insurers on how to clearly communicate with customers regarding policy provisions.Additionally, the working group is directed to analyze and explain in layman’s termsterminology commonly used in cyber insurance policies, including terminology used to include or exclude coverage for losses from cyber incidents;how common policy provisions correspond to cyber incidents and potential responses, including ransomware and potential ransom payments; andconstraints faced by insurers in covering higher losses in cyber risk areas, such as reputational damage and loss of intellectual property.At the conclusion of the working group's term, NTIA must publish and disseminate informative resources for cyber insurance stakeholders, including any recommendations formulated by the working group.
Who sponsors S 245?
S 245 is sponsored by Capito, Shelley Moore (Republican) and Hickenlooper, John W. (Democratic).
What is the current status of S 245?
This bill is in committee in the Senate. Introduced January 24, 2025. It must pass committee before a floor vote.
Where can I track S 245?
Track S 245 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on S 245

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of S 245

Last checked for changes 4 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →