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Cyber Insurance Has Become Another Audit

The Reality

Cyber insurance used to be straightforward. Now it feels like another audit — with higher stakes and less margin for error.

Organizations are facing:

Rising premiums
Shrinking coverages
Expanding exclusions
Outright denials

Cyber insurance providers have changed the rules, and many businesses haven’t caught up.

Why Getting Coverage Is So Hard Now

Today’s cyber insurance applications go far beyond basic security checklists.

Insurers are digging deep into:

How access to systems and data is controlled
Whether Multi-factor Authentication (MFA) is enforced consistently
How administrator accounts are monitored
The overall security posture of your cloud environment
Whether you have a real incident response plan — not just a document

Many companies struggle to answer these questions clearly or confidently.

When answers are vague, incomplete, or inconsistent, the outcome is predictable:

Higher premiums
Reduced coverage limits
Claim disputes or denials
Rejected applications

What Insurers Actually Care About

Cyber insurance providers have learned where real risk lives.

They are not impressed by:

Security tools that aren’t enforced
Minimum-effort controls
Policies that exist only on paper

They want proof that access is:

Granted only when necessary
Closely monitored
Reviewed regularly
Removed immediately when no longer needed

In short, insurers care deeply about IAM discipline — because that’s where most breaches begin.

What This Means for Your Business

Cyber insurance will continue to get more expensive
Coverage will become more restrictive
Denied claims could mean absorbing the full cost of a breach
Renewals will take longer and be more difficult to obtain

In some cases, insufficient cyber risk insurance can even discourage new customers, partnerships, or enterprise deals.

Our Approach

Security That
Insurers
Actually Trust

We help companies implement the specific controls that cyber insurance providers expect to see — not just on the applications, but in practice.

What We Do

Strengthen MFA enforcement and access policy compliance
Reduce the number of privileged accounts
Eliminate unnecessary cloud service account keys
Identify and govern non-human identities
Enforce least-privilege access across cloud environments
Require approval and justification for access requests
Maintain clear, audit-ready security documentation for insurers

What You Get

Lower premium pressure over time
Broader cyber insurance coverage
Faster renewals with fewer negotiations
Fewer exclusions and underwriting surprises

Cyber insurance becomes a business enabler, not another operational burden.

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