119:s:245 — Insure Cybersecurity Act of 2025

Sponsor

Introduced by

John W. Hickenlooper

D Democrat · Senate · CO D+6

Ranking Member · Consumer Protection, Technology, and Data Privacy (sub)

Latest action

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

Action timeline

Every recorded action on this bill, newest first. Stage badges color-code the legislative path.

Jun 09, 2025

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

Commerce, Science, and Transportation Committee

Jun 09, 2025

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

Feb 05, 2025

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

Commerce, Science, and Transportation Committee

Jan 24, 2025

introduced Introduced in Senate

Jan 24, 2025

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

Commerce, Science, and Transportation Committee

Text versions

Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.

Jun 09, 2025 Reported to Senate

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Jan 24, 2025 Introduced in Senate

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CRS summaries

Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.

00 Introduced in Senate Jan 24, 2025

Insure Cybersecurity Act of 2025 This 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 terms terminology 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; and constraints 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.

via Congressional Research Service · published through congress.gov

Changelog

ⓘ

How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.

`ih` / `is` — Introduced in House / Senate. First filed version.

`rfh` / `rfs` — Referred to a committee for review.

`rh` / `rs` — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).

`pcs` / `pch` — Placed on Calendar for floor consideration.

`eh` / `es` — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.

`rdh` / `rds` — Received by the other chamber.

`eah` / `eas` — Engrossed Amendment. The other chamber passed an amended version.

`ath` / `ats` — Agreed to. Both chambers settled on the same text.

`enr` — Enrolled. Final reconciled text, sent to the President.

`pl` — Public Law. Signed by the President. It's now law.

`pp` — Public Print. Official printing post-enactment.

Most bills die before `eh`/`es`. Going from `pcs` → `enr` is the full path through both chambers.

Line-level diff between text versions of this bill — what actually changed at each legislative stage.

+32 −2 19 unchanged

--- Introduced (Senate)

+++ Reported (Senate)

@@ -1,11 +1,14 @@

[From the U.S. Government Publishing Office]

-[S. 245 Introduced in Senate (IS)]

+[S. 245 Reported in Senate (RS)]

<DOC>

+Calendar No. 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

@@ -21,6 +24,10 @@

Mr. Hickenlooper (for himself and Mrs. Capito) introduced the following

bill; which was read twice and referred to the Committee on Commerce,

Science, and Transportation

+

+June 9, 2025

+

+Reported by Mr. Cruz, without amendment

_______________________________________________________________________

@@ -198,4 +205,27 @@

the general public.

(e) Voluntary Use.--Nothing in this section may be construed to

require the use of the resources disseminated under subsection (a).

-<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

Lobbying activity

Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.

NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES

TEC

5

filings · 2026 Q3

via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.

Cosponsors (1)

Members who signed on to support this bill.

Capito R