Insurers have paid substantial claims following ransomware, supply chain attacks and AI-enabled fraud. As a result, they now assess the security controls businesses have in place rather than relying on simple yes or no answers. If your business handles sensitive data or client funds, expect more detailed questions.
Insurers now expect backups to be immutable or air-gapped, protected from administrator accounts and tested regularly. Microsoft 365 retention alone is not considered a backup.
MFA should protect email, remote access and administrator accounts. Authenticator apps and hardware tokens are generally preferred over SMS.
Traditional antivirus is no longer enough. Many insurers now expect Endpoint Detection and Response (EDR), with Managed Detection and Response (MDR) becoming increasingly common.
Businesses moving money should have documented callback verification procedures and dual approval for high-value payments to reduce fraud.
Expect questions about your key software suppliers and the security measures they have in place.
If an insurer discovers that your business didn't have the protections declared on your application, they may refuse or even void a future claim. If a control isn't fully implemented, explain what is in place and provide a realistic timescale for completion.
Insurers increasingly expect MFA to protect:
Addressing these areas before renewal can improve your security and reduce delays during underwriting.
If you're not confident your backups, Microsoft 365 security or cyber defences would satisfy a modern cyber insurance application, we can help.
At Sound Networks, we work with businesses across Wiltshire to assess their existing IT infrastructure, identify security gaps and implement the controls insurers increasingly expect, including immutable backups, multi-factor authentication, endpoint protection and disaster recovery planning. Whether you're preparing for your next renewal or simply want peace of mind that your business is protected, our team is here to help. Contact us today to arrange a no-obligation discussion and find out how we can strengthen your cyber resilience.

























