SMB cyber insurance: requirements to prepare
Prepare for cyber insurance: MFA, backups, EDR, policies, incidents, and expected evidence.
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Areas of expertise
- Cybersécurité pour PME
- Services managés
- Gouvernance et risques
Problem
Your insurer asks for technical evidence you have not structured yet.
Expected outcome
A clear file to reduce refusals, exclusions, and premium increases.
Prepare baseline controls
Insurers mainly verify controls that reduce frequent claims.
- MFA on remote and administrator access.
- Tested backups.
- EDR or managed antivirus.
Document evidence
A “yes” answer should be supported by screenshots, policies, or reports.
- Security policies.
- Backup reports.
- Asset inventory.
Reduce exclusions
Exclusions often come from gaps between answers and technical reality.
- Answer precisely.
- Fix critical gaps before submission.
- Keep remediation evidence.
Frequently asked questions
Is MFA mandatory for cyber insurance?
It is very often requested, especially for remote access, administrators, and email.
Does an audit help obtain insurance?
Yes. It identifies gaps before the questionnaire and produces evidence.
What is the risk of a wrong answer?
An exclusion, premium increase, or claim dispute.
Methodology and limitations
This content is a practical synthesis intended to guide an initial review. Applicable priorities, timelines, costs, and controls depend on your environment, assets, and risk level; validate them before making a decision.
Useful primary references:
Prepare your insurer questionnaire
Cybernow validates your answers and produces key evidence.
Prepare my file