brandWho Cyber insurance applies to
- Any business buying or renewing cyber liability insurance
- Businesses whose clients or contracts require cyber coverage
- Regulated firms where coverage is part of the risk program
What Cyber insurance means for a small business
Insurance applications have become detailed security questionnaires. Questions like “Is MFA required for all remote access and email?” or “Are backups stored offline or immutable?” are not formalities. If a claim investigation finds an answer was inaccurate, coverage can be disputed.
The good news: the controls insurers require are the same ones that stop most attacks, and the same ones HIPAA, the FTC Safeguards Rule and PCI DSS expect.
Cyber insurance requirements and how we meet them
| Requirement | How Vail Valley IT handles it |
|---|---|
| MFA on email, remote access and admin accounts | Enforced MFA across Microsoft 365, VPN and privileged accounts. Email Security & Spam Protection |
| Endpoint detection and response (EDR) | Monitored EDR on every computer and server. Compliance & Cybersecurity |
| Offline or immutable backups, tested | Immutable offsite backups with restore test records. IT & Data Protection |
| Patching and supported systems | Managed patching and replacement of unsupported devices. Managed IT Services |
| Security awareness training and phishing tests | Recurring training with completion and simulation reports. Security Awareness Training |
| Vulnerability scanning | External and internal scans with remediation tracking. Penetration Testing & Vulnerability Scanning |
| Incident response plan | Written plan including your carrier’s notification requirements. Virus & Malware Removal |
Common Cyber insurance gaps we find in valley businesses
- Answering “yes” to MFA when it is only on some accounts
- Backups on a drive connected to the same network
- No EDR, only basic antivirus
- No training records to show the carrier
Evidence to keep on file
- MFA enforcement report
- EDR deployment report
- Backup and restore test logs
- Training completion and phishing reports
- Vulnerability scan reports
- Incident response plan
How we get you there
Gap assessment
We compare your current setup to Cyber insurance and list what is missing.
Remediation plan
Prioritized fixes with a flat price, in plain language.
Implement & train
Controls, policies and staff training put in place.
Test & document
Scans, pen tests and an evidence file you can hand to an auditor.
Frequently asked questions
What security controls do cyber insurance companies require?
Commonly MFA on email and remote access, endpoint detection and response, offline or immutable backups, timely patching, email security and security awareness training. Many carriers also ask about vulnerability scanning and an incident response plan.
Can my cyber insurance claim be denied?
Claims can be disputed if application answers about security controls turn out to be inaccurate. Make sure every “yes” on the application reflects what is actually in place, and keep evidence.