The application is a security audit with a deadline.
What do cyber insurance requirements typically include? Most applications now require multi-factor authentication on email, remote access, and administrative accounts; endpoint detection and response on every device; backups that are separated from the network and tested; a written incident response plan; timely patching; email security controls; and some form of security awareness training. Answering "no" to the wrong one can mean a higher premium, an exclusion, or no policy. Answering "yes" inaccurately can mean a denied claim.
Why the questions got harder.
Insurers lost money on ransomware. The application is how they price risk, and the controls they ask about are the ones that actually stop the losses they pay for.
Score your readiness before the insurer does.
Sixty-four checks across the eight areas current applications ask about: MFA, endpoint detection, email and payment controls, backups, patching, privileged access, incident response, and AI. Section scores update as you go, and you get a written read of where to start.
Answer honestly, then close the gaps. An accurate "not yet" with a dated plan is worth more than a "yes" the insurer can later dispute. Most gaps can be closed inside a renewal window without replacing anything, and often with the provider you already have.
Massachusetts.
Organizations here also carry a written information security program obligation under state regulation, which overlaps heavily with what the application asks.
Or send us the application itself.
The Cyber Insurance Application Pre-Check. Send us the application, or the renewal questionnaire. We go through it line by line, tell you which answers are solid, which are exposed, and what closes each gap by the deadline, with options that involve your current provider and options that pay us nothing.
Is MFA required for cyber insurance?
In nearly every application now, on email, remote access, and administrative accounts at minimum.
What happens if I answer inaccurately?
A claim can be denied on the basis of the application. Accuracy is worth more than a clean-looking form.
Can I meet the requirements without replacing my systems?
Usually. Most items are configuration, process, and a tested backup, not new platforms.
Answer the application accurately, on time.
The Digital Presence & Technology Review is the fastest way to see how we work, and it costs nothing. If the situation is already clear, start a conversation instead.