We Don’t Require an Insurance License to Refer QRF.
Cyber Vault USA is not an insurance company. QRF is a non-insurance service subscription — cybersecurity assistance, IT support, and identity restoration services delivered as an employer-sponsored program. Cyber Vault USA does not offer QRF as insurance, and does not require you to hold an insurance license to take part in its referral program. Whether your own activities, compensation arrangements, licenses, or carrier appointments create any licensing, registration, or disclosure obligation is yours to determine with your own counsel.
Brokers engage as referral partners under a standard partner agreement (1099). We do not pay claims, reimburse losses, or indemnify members against damages — we deliver services. Full disclosure language is included in your partner agreement and member terms.
A Product Your Clients Will Want.
Cybersecurity support for employees is one of the fastest-growing voluntary program categories. QRF gives you a compelling, easy-to-explain addition to your portfolio — a non-insurance service that sits alongside the benefits you already place.
Differentiated Offering
Most voluntary program catalogs don’t include cyber and IT support. QRF fills a real gap — especially for remote workers and employees managing personal devices for work.
Low-Friction Administration
Enroll via simple spreadsheet or self-service employer portal — whichever fits your workflow. Pair that with straightforward monthly reconciliation and flexible ACH or card billing, and the administrative lift for you and your clients stays minimal.
Scales with Any Client
QRF has no minimum or maximum organization size. Whether your client has 2 employees or 2,000 — the same simple per-employee tier pricing applies, and the spouse and family tiers give employees a reason to say yes. Ideal for small organizations, and just as capable for large ones.
Dedicated Broker Support
You’ll have a dedicated contact at Cyber Vault USA, access to a broker portal with contributor accounts, and the materials you need to present confidently to clients.
You Refer It. You Earn on It.
QRF is built to reward the partners who bring it to market. Every enrolled employee generates recurring monthly compensation for as long as that organization remains an active client and you remain in good standing — earned every month, not just at point of sale. What happens to compensation after a partnership ends, and the circumstances in which it is adjusted, are set out in full in the partner agreement.
Recurring Monthly Compensation
Earn on every active enrolled employee each month — not just at point of sale. As your book grows, so does your recurring income from QRF.
Scales with Your Book
The more employers you enroll, the more you earn. With no maximum organization size, a single enterprise client can represent significant ongoing compensation.
Your Clients Stay Yours
Account-of-record protections are built into every partner agreement. You brought the client, you keep the relationship — and the compensation that comes with it.
Transparent Compensation Structure
Compensation rates, payment schedules, and reporting are outlined clearly in your partner agreement. No surprises, no fine print. Reach out to get the full compensation details.
Want the Full Compensation Details?
Compensation rates are shared directly with approved broker partners. Reach out and we’ll send you the full compensation schedule along with the partner agreement for your review.
If This Sounds Like You, Let’s Talk.
QRF was designed around the needs of independent and regional broker partners — and scales to any employer organization, regardless of size.
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Small Organization Specialists
You work primarily with employer organizations of 2–50 employees and are always looking for voluntary programs that are easy to pitch and easy to administer.
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Independent & Regional Brokers
You manage your own book of business and have direct relationships with HR decision-makers at your client companies.
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Tech-Forward Advisors
You advise clients on modern voluntary programs and recognize that cyber risk is a growing concern for employees at every income level.
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Large Employer Organizations
No ceiling on enrollment. QRF’s flat per-employee pricing scales cleanly to enterprise-size organizations — making it just as compelling for a 500-person company as a 10-person one.
Let’s Build Your Pipeline Together.
Apply below to join the Cyber Vault USA broker program. Onboarding is quick, materials are ready, and your clients are waiting for something like this.
Cyber Vault USA Is Not an Insurance Company.
Our Overwatch membership and QRF program are service subscriptions providing cybersecurity assistance, IT support, and identity restoration services. We do not issue insurance policies, pay claims, reimburse financial losses, or indemnify members against damages. QRF is a reactive support service and does not include monitoring of any kind. Service levels are response commitments, not resolution guarantees. All support is delivered remotely. Cyber Vault USA does not require brokers or employers to hold an insurance license to offer QRF. Each broker and employer remains responsible for determining its own licensing and regulatory obligations.