Overview
Cyber liability insurance has become one of the most important (and most misunderstood) tools in your risk management arsenal. Policies vary significantly in what they cover, and insurers have been tightening requirements year over year. Most organizations renew without a close read, assuming their coverage hasn't changed. It often has.
I've seen policies with ransomware exclusions the policyholder had never noticed. They found out at claim time. The insurer wasn't wrong. The language was there. But no one had read the policy closely enough to understand what they were actually buying.
Policy Gap Analysis
We review your current policy against your actual operations (identifying coverage gaps, ambiguous language, and exclusions that could leave you exposed when a claim is filed).
Requirement Alignment
Insurers increasingly require documented controls as a condition of coverage. We verify that your existing security posture meets your policy's requirements (so you're not unknowingly voiding your coverage).
Renewal Preparation
We help you go into renewal negotiations informed (with a clear picture of what your policy covers, what it doesn't, and what questions to ask your broker before signing).
Many organizations discover their policy doesn't cover a specific incident type only after a claim is denied. A pre-renewal review is far less expensive than that conversation.
What You Can Expect
- Detailed review of your current cyber liability policy
- Gap analysis comparing coverage against your operations and risk profile
- Assessment of whether your security controls satisfy policy requirements
- Plain-language summary of key exclusions and conditions
- A set of questions and recommendations to bring to your broker at renewal