06/10/2026
A lot of business owners think cyber insurance works like this:
✅ Buy policy
✅ Get hacked
✅ File claim
✅ Get paid
Unfortunately, it may not be that simple.
Many cyber insurance applications now ask about:
Multi-Factor Authentication
Employee cybersecurity training
Backups
Security monitoring
Incident response plans
In other words...
Your insurance company wants to know what you're doing to reduce risk before they're willing to assume the risk.
Cyber insurance is important.
But it should be your safety net—not your cybersecurity strategy.
Would your organization pass scrutiny if you had to file a claim tomorrow?