Cyber Liability
Insurance Policy Review
Know what you're covered for (before you need to find out the hard way).
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
Mid-audit and things have stalled? If a SOC 2 engagement with another consultant has gone quiet, SOC 2 Rescue is a flat-fee engagement to step in, assess the situation, and get things moving again.
Who This Is For
- Organizations renewing their cyber liability policy without having reviewed what changed since last year
- Companies that experienced a denied claim or coverage dispute and need to understand why their policy didn't respond
- Businesses applying for cyber liability insurance for the first time and unsure what security controls to document
- Organizations whose security posture has changed significantly since their last policy was written
- Leadership teams that want to understand what their policy actually covers before a board, audit, or incident forces the question
Common Questions
What does a cyber liability insurance policy actually cover?
Coverage varies significantly by policy and insurer, but most cyber liability policies include some combination of: first-party costs (incident response, forensics, notification, and business interruption) and third-party liability (regulatory fines, legal defense, and customer claims). Many policies also include ransomware coverage, but the terms, sublimits, and conditions vary widely. The only way to know what your policy actually covers is to read it closely — which is exactly what a pre-renewal review does.
What security controls do insurers require before issuing or renewing a policy?
Insurer requirements have tightened substantially in recent years. Most now require multi-factor authentication, endpoint detection and response (EDR), regular backups tested for restoration, privileged access management, and documented incident response procedures as baseline conditions. Some carriers use application questionnaires that closely resemble a security audit. If your controls don't match what you represented on the application, a claim can be denied for material misrepresentation.
How do I know if my policy has a ransomware exclusion?
Ransomware exclusions are often buried in endorsements or policy conditions rather than listed prominently in the declarations page. Common exclusion language includes limitations on "voluntary payments," restrictions on coverage for "unencrypted data," and war or nation-state exclusions that some insurers have tried to apply to ransomware incidents. A close policy review surfaces these before you need to find out at claim time.