When you renew cyber insurance, you sign a questionnaire: Do you enforce MFA? Do you test backups? Do you log and monitor access? Those checkboxes are a legal attestation, not a formality.
The honest-owner trap
Most owners answer in good faith — they believe MFA is on everywhere, or that backups are tested. But belief is not evidence. If a claim is filed and forensics show a control was not actually in place, the insurer can deny it for material misrepresentation. You paid premiums for coverage that evaporates exactly when you need it.
Close the gap before you sign
Before your next renewal, have someone verify each answer against reality:
- Is MFA enforced for every user and admin, including legacy protocols?
- Are backups tested by restore, not just "running"?
- Can you produce logs showing who accessed what?
We turn each "yes" into something you can prove — so your coverage holds.