If you've renewed a cyber insurance policy in the last two years, you've noticed the questionnaires have gotten longer. Insurers who used to ask 10 questions now ask 50. Premiums have increased 30–50% in many categories. Some businesses are finding their coverage denied or limited because of gaps in their security posture.
This reflects the insurance market's response to a brutal claims period. Ransomware payouts in 2022 and 2023 forced insurers to get serious about underwriting — and that means they're now evaluating whether your security controls actually reduce the likelihood of a covered event.
A standard cyber insurance policy typically covers:
Read the fine print on: nation-state attacks (many policies exclude "acts of war"), social engineering fraud (wire transfer fraud is often sublimited to $100K–$250K), and incidents resulting from known vulnerabilities that weren't patched.
The security controls that have become near-universal requirements for cyber insurance coverage in 2025:
If you don't have these controls in place, you may be paying for coverage that won't pay out when you need it — or you may find your renewal comes with exclusions that make the policy largely worthless for the most likely claim types.
Getting these controls in place is a prerequisite for meaningful cyber insurance coverage. It's also good security practice independent of the insurance question.
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