Cyber-insurance used to be a quick form and a premium. Not anymore. Today's applications ask detailed questions about your security controls, and the answers matter twice: once to get coverage at a reasonable rate, and again if you ever file a claim and the carrier checks whether you actually had the controls you claimed.
What the questionnaire really wants to know
- Do you have multi-factor authentication on email and remote access?
- Do you run managed detection and response or equivalent endpoint monitoring?
- Are your backups encrypted, tested, and kept offline or immutable?
- Do you train staff on phishing and security awareness?
- Do you patch systems promptly and have an incident response plan?
Why honest answers matter more than perfect ones
Overstating your controls to get a better rate is dangerous. If you claim MFA everywhere and a breach reveals you did not have it, the carrier can deny the claim. The goal is to genuinely have the controls, then document them so the answers are both true and defensible.
We help facilities complete these questionnaires accurately, and just as importantly, we close the gaps the questions expose so the answers are yes for real.
Turn the renewal into a checklist
Instead of dreading the annual questionnaire, treat it as a free security checklist written by people who pay out when things go wrong. Each question points at a control worth having. Meet them, document them, and the renewal becomes routine.