Underwriting used to be paperwork. Now it is a live audit of your security program. Underwriters want proof that your controls work in practice, not just policies on a shelf. The result: organizations with real cyber risk on the books but no clear evidence of control maturity are seeing premium spikes, coverage restrictions, and denied claims.
The risk is simple: you think you are covered until a breach proves otherwise.
eSureity does not sell insurance. We help you prove, improve, and document the security posture your broker and carrier expect, so coverage decisions and claims are based on facts—not assumptions.
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Where Cyber Insurance Breaks Down In The Real World
Most gaps are not about a missing policy. They are about misalignment.
Unauthorized incident response
Carriers often require pre-approval before any containment, forensics, or restoration work. When an MSP or internal team “just fixes it,” coverage can be voided because the carrier was never in the loop.
Different carriers across client and MSP
When your MSP and your organization have policies with different insurers, claims can turn into finger-pointing. Each carrier tries to push responsibility to the other, delaying payouts when cashflow is critical.
Subrogation against your own MSP or vendors
If a provider acts outside the policy or outside the carrier’s instructions, the carrier may pay the claim, then turn around and pursue the MSP or vendor to recover their losses.
Shared coverage assumptions that are wrong
Executives and boards often assume an MSP’s cyber policy somehow “extends” to them. It does not. Each organization needs its own cyber liability coverage aligned to its own risk profile and control reality.
Controls that look strong on paper, weak in evidence
Policies, frameworks, and control lists might exist, but underwriters want proof: MFA actually enforced, EDR actually deployed, logs actually monitored, backups actually tested, users actually trained.
This is the gap eSureity is built to close.
What Insurers Actually Expect To See
The language varies by carrier, but the control themes are consistent. Underwriters increasingly look for:
- Enforced multi-factor authentication on critical systems and remote access
- Modern endpoint protection or Endpoint Detection & Response (EDR)
- 24x7 monitoring of key systems via a Security Operations Center (SOC), in-house or managed
- Regular vulnerability assessments and penetration testing
- Documented, tested Incident Response and Business Continuity plans
- Ongoing employee security awareness and phishing training
- Alignment with recognized frameworks such as NIST CSF, CIS Controls, or ISO 27001
The issue is rarely “do you have these at all?”
The issue is “can you prove it, quickly and clearly, when your broker or carrier asks?”
eSureity Cyber Insurance Readiness Program
eSureity sits between your security reality and the way underwriters see it. We do not place coverage. We make sure your security story is defensible, documented, and aligned to how cyber insurers evaluate risk.
Underwriting Readiness Baseline
- Map current controls, policies, and technology to typical cyber insurance questionnaires
- Identify where answers are vague, unverifiable, or likely to trigger follow-up scrutiny
- Prioritize gaps based on renewal timelines and the carrier’s “non-negotiable” requirements
Outcome: a clear, underwriter-centric view of where your security program supports your coverage—and where it does not.
Control Validation And Gap Prioritization
- Validate the presence and effectiveness of key controls (MFA, EDR, backups, logging, segmentation, IR, training)
- Align your environment to frameworks underwriters recognize (NIST CSF, CIS, ISO 27001, sector-specific guidance)
- Separate “must-fix before renewal” from “negotiate and roadmap” issues
Outcome: a pragmatic improvement plan that increases insurability without forcing unrealistic overnight transformation.
Documentation Pack For Brokers And Carriers
- Build a curated evidence pack: diagrams, policies, test reports, training records, IR/BCP documentation
- Translate technical controls into plain-language narratives underwriters understand
- Align answers across security, IT, risk, compliance, and external partners so you tell one consistent story
Outcome: faster, cleaner underwriting and renewal cycles with fewer surprises and less back-and-forth.
MSP, Vendor, And Policy Alignment
MSPs and vendors are central to incident response but often absent from coverage strategy.
- Clarify what your MSP is responsible for, what your policy expects, and where the gaps are
- Review contracts, SOWs, and playbooks against carrier requirements and common exclusions
- Define timing, escalation paths, and approval points so your MSP can act without jeopardizing coverage
Outcome: fewer gray areas when it matters—less risk of denied claims, coverage disputes, or subrogation.
Claim Scenario And Breach Tabletop
The worst time to discover a coverage gap is during the claim.
- Walk through realistic breach scenarios from both a security and insurance perspective
- Test who calls whom, what gets documented, when the carrier is notified, and which evidence is produced
- Expose hidden assumptions about coverage, responsibilities, and approval processes
Outcome: a tested playbook that protects both your recovery and your ability to collect under the policy you paid for.
Designed For Executives, Risk Leaders, And MSPs
For executives and boards
- Clear answer to “Will our carrier actually pay if we’re hit?”
- A defensible narrative you can explain to regulators, investors, and audit committees
- Reduced chance of nasty surprises at renewal or after a breach
For risk, compliance, and legal
- Alignment between risk registers, policies, and how underwriters view your controls
- Documentation that supports both regulatory expectations and coverage discussions
- Better leverage when negotiating exclusions, retentions, and sublimits
For MSPs and IT service providers
- Reduced subrogation and liability exposure when responding to client incidents
- Clear boundaries between your responsibilities, your coverage, and your clients’ policies
- Stronger market position as a partner who understands both security and insurance realities
