Cyber insurance can transfer some financial risk from incidents—but carriers increasingly require proof of basic controls before binding or renewing coverage.
Controls questionnaires often ask about
- MFA on email and remote access
- EDR / advanced endpoint protection
- Offline or immutable backups and restore testing
- Privileged access management basics
- Security awareness training
- Incident response planning
How to approach renewals
- Inventory what you actually have (not what you plan to buy)
- Close easy MFA/EDR gaps before the application
- Keep evidence: screenshots, policies, training records, backup reports
- Align technical reality with what your broker submits
Insurance is not a control. It does not stop attacks. Strong fundamentals reduce both claim likelihood and premium friction.
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