Cyber-Insurance 2025

Computer button showing image of an umbrella and the word "Insurance"

How Underwriters Score Your Security Posture (and How to Pass)

Cyber threats are evolving. So is cyber insurance. As we move into 2025, insurance providers are no longer handing out policies based on promises — they want proof. And if your organization can’t demonstrate a mature cybersecurity posture, you’ll either pay sky-high premiums or be denied coverage altogether.

The Era of “Check-the-Box” Coverage Is Over

In the past, many small and mid-sized businesses could obtain cyber insurance by completing a simple questionnaire. Not anymore. Insurers are tightening requirements and conducting deeper due diligence before issuing policies.

🔍 What Underwriters Are Looking For in 2025

  • Multi-Factor Authentication (MFA): Mandatory across all critical systems — email, VPNs, cloud apps.
  • Endpoint Detection and Response (EDR): Must be actively deployed and monitored.
  • Backups: Encrypted, offsite, immutable, and regularly tested backups are expected.
  • Patching and Vulnerability Management: Timely updates and patch logs may be reviewed.
  • User Awareness Training: Ongoing phishing simulations and education are required.
  • Incident Response Plan: A tested, documented plan with roles clearly defined.

How Security Posture Impacts Your Premium

Insurers now assign a “cyber risk score” — similar to a credit score. A stronger score means:

  • Lower premiums
  • Higher coverage limits
  • Fewer exclusions
  • Better claim payout eligibility

How to Prepare — and Pass

To stay ahead of 2025 requirements:

  1. Schedule a cybersecurity risk assessment.
  2. Implement and document security controls.
  3. Review policy-specific technical requirements.
  4. Commit to continuous improvement and review.

💡 CTG Can Help You Navigate Cyber Insurance With Confidence

At Cool Technology Group, we help businesses prepare for cyber insurance success. We implement and manage the security controls that underwriters require, helping you qualify for stronger policies and better rates.

📞 Ready for a cybersecurity tune-up? Call us at (832) 810-2665 to schedule your Cyber Insurance Readiness Assessment today.