{"id":2414,"date":"2026-08-14T02:09:59","date_gmt":"2026-08-14T07:09:59","guid":{"rendered":"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/?p=2414"},"modified":"2026-08-11T02:25:37","modified_gmt":"2026-08-11T07:25:37","slug":"what-finance-and-insurance-companies-should-know-about-new-cyber-insurance-requirements","status":"publish","type":"post","link":"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/what-finance-and-insurance-companies-should-know-about-new-cyber-insurance-requirements\/","title":{"rendered":"What Finance and Insurance Companies Should Know About New Cyber Insurance Requirements"},"content":{"rendered":"<p><span style=\"font-weight: 400\">Cyber insurance used to be a relatively simple purchase. A company filled out a short application, answered a handful of general questions, and received a policy with broad coverage at a predictable price. That era is over. Insurers have paid out billions in claims tied to ransomware, business email compromise, and data breaches over the past several years, and underwriters have responded by tightening requirements considerably, particularly for finance and insurance companies that handle large volumes of sensitive financial data.<\/span><\/p>\n<p><span style=\"font-weight: 400\">For firms in these sectors, a policy that once required little more than a signature now often demands documented proof of specific security controls before coverage will even be offered. Multi factor authentication, endpoint detection tools, tested backup procedures, and formal incident response plans have shifted from recommended best practices to hard requirements that determine whether a firm can obtain coverage at all, and at what price.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This shift creates real pressure for finance and insurance companies already managing complex regulatory obligations on top of day to day operations. Understanding what underwriters now expect, and building the right technical foundation to meet those expectations, has become essential not just for managing premium costs but for ensuring coverage actually pays out when it&#8217;s needed most. CMIT Solutions of Long Beach works with financial services firms across the region navigating exactly this shift, and this article breaks down what&#8217;s changed and what firms need to do about it.<\/span><\/p>\n<h2><b>Why Cyber Insurance Requirements Are Tightening<\/b><\/h2>\n<p><span style=\"font-weight: 400\">The insurance industry has absorbed significant losses from cyber related claims, and finance and insurance companies specifically have been among the hardest hit sectors given the volume and sensitivity of the data they hold. Ransomware payouts, business email compromise losses, and regulatory fines tied to breaches have all pushed underwriters to reassess how much risk they&#8217;re willing to accept without proof of specific protections in place.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A few factors are driving this shift industry wide:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Ransomware attacks against financial services firms have increased in both frequency and average payout demands<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Business email compromise schemes targeting wire transfers have become more sophisticated, often aided by AI generated communication<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Regulatory penalties tied to data breaches have grown steadily, increasing the total cost insurers absorb per incident<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Insurers now have years of claims data showing which specific security gaps correlate most strongly with successful attacks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The result is a market where coverage is increasingly conditional. Firms that can document strong security practices receive better terms and pricing, while firms that can&#8217;t may face significantly higher premiums, reduced coverage limits, or outright denial of coverage.<\/span><\/p>\n<h2><b>What&#8217;s Changed in Underwriting Standards for 2026<\/b><\/h2>\n<p><span style=\"font-weight: 400\">The underwriting process itself looks considerably different than it did just a few years ago. Applications now frequently require detailed technical questionnaires, and in many cases, insurers request documentation or even third party verification of specific controls rather than accepting a firm&#8217;s self reported answers at face value.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Key shifts worth understanding include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Applications now ask detailed, specific questions about multi factor authentication coverage across every system, not just email<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Insurers increasingly require proof of endpoint detection and response tools rather than basic antivirus software<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Backup testing documentation has become a standard request, not just confirmation that backups exist<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Some insurers now conduct external vulnerability scans of an applicant&#8217;s network before issuing a quote<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Coverage exclusions have expanded for firms that can&#8217;t demonstrate specific controls were active at the time of an incident<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A broader look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/the-growing-compliance-expectations-smbs-can-no-longer-ignore\/\"> <span style=\"font-weight: 400\">rising compliance expectations<\/span><\/a><span style=\"font-weight: 400\"> affecting small and mid sized organizations helps explain the broader regulatory and industry pressure driving these underwriting changes, much of which extends directly into how insurers now evaluate risk.<\/span><\/p>\n<h2><b>Common Requirements Insurers Now Expect<\/b><\/h2>\n<p><span style=\"font-weight: 400\">While specific requirements vary by carrier and policy size, a consistent set of expectations has emerged across most cyber insurance applications for finance and insurance companies. Firms should expect to demonstrate the following at minimum:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Multi factor authentication across email, remote access, and any system containing sensitive financial data<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Endpoint detection and response tools deployed across all company devices<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Regular, tested data backups stored separately from the primary network<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A documented, current incident response plan<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Employee security awareness training conducted on a recurring basis<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Formal policies governing vendor and third party access to systems<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Firms unable to check these boxes often find themselves facing higher premiums or coverage limitations even if they&#8217;ve never experienced an actual incident, simply because the absence of these controls represents unacceptable risk from the insurer&#8217;s perspective.<\/span><\/p>\n<h2><b>Multi Factor Authentication as a Baseline Requirement<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Multi factor authentication has moved from a recommended best practice to an almost universal requirement across cyber insurance applications. Insurers have seen enough claims data tied to compromised credentials to treat its absence as a disqualifying gap in many cases, particularly for firms handling financial transactions or sensitive client data.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Coverage often requires more than a simple yes or no answer to whether multi factor authentication exists. Underwriters increasingly want to know:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether it&#8217;s enforced across every system, or only select applications<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether it applies to all employees, or only certain roles<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">What method is used, since some forms of authentication are considered stronger than others<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Firms without full deployment across every system touching sensitive data should treat this as an immediate priority, given how directly it affects both insurability and pricing. Understanding the broader shift toward continuous verification helps explain why this expectation has become so central. <\/span><span style=\"font-weight: 400\">A related look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/why-identity-first-security-is-replacing-traditional-network-security-models\/\"> <span style=\"font-weight: 400\">identity first approach<\/span><\/a><span style=\"font-weight: 400\"> security explains why verifying identity continuously has replaced older models of trusting anything already inside the network.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter  wp-image-2416\" src=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/24-3-1024x535.png\" alt=\"\" width=\"737\" height=\"385\" srcset=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/24-3-1024x535.png 1024w, https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/24-3-300x157.png 300w, https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/24-3-768x401.png 768w, https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/24-3.png 1200w\" sizes=\"(max-width: 737px) 100vw, 737px\" \/><\/p>\n<h2><b>Endpoint Detection and Response Expectations<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Basic antivirus software, once considered sufficient for most small businesses, no longer meets the bar many insurers set for finance and insurance companies. Modern underwriting increasingly expects endpoint detection and response tools capable of identifying and responding to suspicious activity in real time, rather than relying solely on signature based detection of known threats.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This shift reflects how attack methods have evolved. <\/span><span style=\"font-weight: 400\">A closer look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/how-smart-endpoint-management-is-helping-businesses-secure-remote-teams\/\"> <span style=\"font-weight: 400\">smart endpoint management<\/span><\/a><span style=\"font-weight: 400\"> explains how modern tools extend visibility and protection across every device a firm operates, including those used by remote or hybrid staff, which insurers increasingly expect to see documented as part of a complete security posture.<\/span><\/p>\n<h2><b>Backup and Recovery Documentation Requirements<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Ransomware remains one of the most common and costly categories of cyber insurance claims, which has made backup and recovery capability a central focus of underwriting review. Insurers no longer accept a general statement that backups exist. Many now request specifics around backup frequency, storage location, isolation from the primary network, and evidence of actual recovery testing.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A resilient approach relies on<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/data-backup\/\"> <span style=\"font-weight: 400\">secure data backup<\/span><\/a><span style=\"font-weight: 400\"> systems that maintain isolated, versioned copies of critical files, paired with<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/data-backup\/\"> <span style=\"font-weight: 400\">recovery planning support<\/span><\/a><span style=\"font-weight: 400\"> that has been tested under realistic conditions rather than assumed to function correctly when needed.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Continuity planning extends beyond backup alone in how insurers now evaluate risk. <\/span><span style=\"font-weight: 400\">A broader look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/from-backup-to-business-continuity-how-smart-data-strategies-save-reputation-and-revenue\/\"> <span style=\"font-weight: 400\">continuity data strategies<\/span><\/a><span style=\"font-weight: 400\"> explains how firms maintain operations and protect reputation even through a serious disruption, which underwriters increasingly view as evidence of overall organizational resilience rather than a narrow technical checkbox.<\/span><\/p>\n<h2><b>Incident Response Plan Requirements<\/b><\/h2>\n<p><span style=\"font-weight: 400\">A documented, tested incident response plan has become a standard requirement across most cyber insurance applications, and increasingly, insurers want evidence that the plan has actually been rehearsed rather than simply written and filed away. Firms without a current plan, or with one that hasn&#8217;t been reviewed in several years, often face additional scrutiny during underwriting.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A strong incident response plan for a finance or insurance company should address:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Clear roles and responsibilities during an active incident<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Specific steps for isolating affected systems without disrupting unaffected operations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Regulatory and client notification requirements specific to the firm&#8217;s industry<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Communication protocols for coordinating with the insurance carrier itself during a claim<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Given how often intrusions go undetected for extended periods before being discovered, incident response planning also needs to account for delayed detection scenarios. <\/span><span style=\"font-weight: 400\">A closer look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/the-rise-of-silent-cyberattacks-why-long-beach-smbs-arent-being-warned-until-its-too-late\/\"> <span style=\"font-weight: 400\">undetected attack patterns<\/span><\/a><span style=\"font-weight: 400\"> explains how many breaches aren&#8217;t discovered until well after initial access occurred, which has direct implications for how a firm structures its detection and response capability.<\/span><\/p>\n<h2><b>Employee Training Documentation<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Underwriters increasingly ask for evidence that security awareness training is happening on a recurring basis, not just as a one time onboarding exercise. Firms should maintain records showing training frequency, topics covered, and participation rates, since this documentation is often requested directly during the application or renewal process.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Given how much more sophisticated phishing attempts have become, training content needs to reflect current threats rather than generic, outdated material. <\/span><span style=\"font-weight: 400\">A closer look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/ai-vs-human-hackers-how-cybersecurity-strategies-are-evolving-in-2026\/\"> <span style=\"font-weight: 400\">evolving hacker tactics<\/span><\/a><span style=\"font-weight: 400\"> explains how AI assisted attacks have changed what staff need to watch for, information that should directly inform how training programs are structured and updated over time.<\/span><\/p>\n<h2><b>Vendor and Third Party Risk Requirements<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Finance and insurance companies typically work with numerous third party vendors, from payment processors to cloud software providers, each representing a potential path for a breach if that vendor&#8217;s security doesn&#8217;t meet an acceptable standard. Insurers have started asking more detailed questions about how firms manage this risk, including whether formal vendor security assessments are conducted.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broader explanation of how<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/why-it-vendor-sprawl-is-creating-security-and-budget-problems-for-smbs\/\"> <span style=\"font-weight: 400\">vendor sprawl budget<\/span><\/a><span style=\"font-weight: 400\"> problems accumulate applies directly here, since firms juggling numerous disconnected vendor relationships without a coordinated oversight process often struggle to answer underwriting questions about third party risk management with confidence.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Practical steps include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Maintaining a current inventory of every vendor with system or data access<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reviewing vendor contracts for data handling and breach notification obligations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Requiring evidence of security certifications from critical vendors handling sensitive data<\/span><\/li>\n<\/ul>\n<h2><b>Sector Specific Risk Factors Insurers Are Watching<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Finance and insurance companies carry particular risk factors that underwriters weigh heavily during evaluation. Firms handling accounting, tax preparation, or client financial data specifically have seen increased attention given documented patterns of targeting. <\/span><span style=\"font-weight: 400\">A closer look at how<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/ransomware-is-targeting-long-beach-accounting-firms-is-your-client-data-protected\/\"> <span style=\"font-weight: 400\">ransomware targeting firms<\/span><\/a><span style=\"font-weight: 400\"> in these sectors have experienced attacks explains why insurers now treat certain industries within finance as higher risk categories requiring more rigorous documentation.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Real time monitoring capability has also become a specific point of interest for underwriters evaluating financial services applicants. <\/span><span style=\"font-weight: 400\">A related resource on<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/what-financial-services-firms-need-to-know-about-real-time-threat-monitoring\/\"> <span style=\"font-weight: 400\">real time threat monitoring<\/span><\/a><span style=\"font-weight: 400\"> explains why continuous detection has become the expected standard rather than periodic manual review, particularly for firms processing financial transactions on an ongoing basis.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Broader technology risk assessment matters here too. <\/span><span style=\"font-weight: 400\">A related look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/technology-risks-financial-firms-should-address-before-a-data-breach-happens\/\"> <span style=\"font-weight: 400\">financial firm risks<\/span><\/a><span style=\"font-weight: 400\"> firms should address before a breach occurs outlines the specific vulnerability categories that tend to draw the most underwriting scrutiny.<\/span><\/p>\n<h2><b>Building a Framework That Satisfies Underwriters<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Meeting current cyber insurance requirements works best as part of a broader, layered security framework rather than a checklist assembled purely to satisfy an application. A resilient approach generally includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Multi factor authentication enforced across every system without exception<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Endpoint detection and response tools deployed company wide<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Network segmentation limiting how far an attacker could move if one system is compromised<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Continuous monitoring capable of detecting unusual activity in real time<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Documented, tested backup and incident response procedures<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Formal vendor risk management processes<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Resilience as a broader concept has become increasingly central to how both regulators and insurers evaluate an organization&#8217;s overall risk posture. <\/span><span style=\"font-weight: 400\">A closer look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/the-growing-role-of-cyber-resilience-in-modern-business-it-strategies\/\"> <span style=\"font-weight: 400\">cyber resilience approach<\/span><\/a><span style=\"font-weight: 400\"> frameworks explains why insurers increasingly favor firms that can demonstrate they&#8217;ll continue operating through an incident, not just prevent one from happening in the first place.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Hybrid work arrangements also factor into underwriting evaluation given how much remote access can expand a firm&#8217;s attack surface. <\/span><span style=\"font-weight: 400\">A related look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/why-secure-access-service-edge-sase-is-becoming-a-must-have-for-hybrid-workforces\/\"> <span style=\"font-weight: 400\">hybrid workforce security<\/span><\/a><span style=\"font-weight: 400\"> frameworks explains how combining network security and access control into a unified system has become a common way firms address this specific risk category.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2026\/08\/25-4-1024x535.png\" width=\"848\" height=\"443\" \/><\/p>\n<h2><b>The Role of Managed IT Services in Meeting Requirements<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Assembling and maintaining the full set of controls insurers now expect requires ongoing effort that most finance and insurance companies can&#8217;t manage entirely in house. <\/span><span style=\"font-weight: 400\">This is where<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/managed-it-services\/\"> <span style=\"font-weight: 400\">managed IT solutions<\/span><\/a><span style=\"font-weight: 400\"> provide meaningful value, offering both the technical implementation and the documentation trail that underwriters increasingly request during application and renewal.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A well structured managed services relationship typically supports insurance readiness through:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Continuous monitoring and reporting that demonstrates active security controls<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Documented patch management and system update histories<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Regular vulnerability assessments that can be shared directly with underwriters<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Support gathering the specific documentation insurers request during renewal<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Firms exploring their current setup can review<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/cybersecurity\/\"> <span style=\"font-weight: 400\">cyber protection services<\/span><\/a><span style=\"font-weight: 400\"> built specifically around meeting both regulatory and insurance underwriting requirements simultaneously, rather than treating each as a separate compliance exercise.<\/span><span style=\"font-weight: 400\"> Predictive monitoring also plays a role in avoiding the kind of disruption that could trigger a claim in the first place. <\/span><span style=\"font-weight: 400\">A related look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/how-predictive-it-support-helps-businesses-prevent-costly-downtime\/\"> <span style=\"font-weight: 400\">how predictive IT support<\/span><\/a><span style=\"font-weight: 400\"> helps firms catch issues before they escalate into a costly, claim triggering incident.<\/span><\/p>\n<h2><b>Cloud Migration and Insurance Considerations<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Firms moving core operations to cloud platforms often find this transition improves their insurance standing, given how much easier it becomes to demonstrate encryption, access logging, and centralized monitoring compared to legacy on premises systems. <\/span><span style=\"font-weight: 400\">A closer look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/cloud-migration-for-long-beach-cpas-cut-costs-boost-compliance-and-work-from-anywhere\/\"> <span style=\"font-weight: 400\">cloud migration advantages<\/span><\/a><span style=\"font-weight: 400\"> explains how firms have used this shift to simultaneously reduce operational costs and strengthen their overall security and compliance posture.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A review of<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/cloud-services\/\"> <span style=\"font-weight: 400\">cloud services provider<\/span><\/a><span style=\"font-weight: 400\"> options built with financial services compliance requirements in mind helps ensure any migration supports rather than complicates a firm&#8217;s insurance readiness.<\/span><\/p>\n<h2><b>What Happens If a Claim Is Denied<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Perhaps the most important reason to take these requirements seriously is what happens when they aren&#8217;t met at the time of an actual incident. Insurers have increasingly denied or reduced claim payouts when a firm&#8217;s actual security posture didn&#8217;t match what was represented on the application, or when specific required controls weren&#8217;t active at the time of the breach.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This creates a scenario where a firm believes it has coverage, only to discover during a claim that a gap in documentation or an inactive control voids that protection entirely. <\/span><span style=\"font-weight: 400\">Understanding the<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/the-real-cost-of-a-cyberattack-on-a-long-beach-small-business-and-how-to-avoid-it\/\"> <span style=\"font-weight: 400\">cyberattack cost breakdown<\/span><\/a><span style=\"font-weight: 400\"> firms face when recovery falls entirely on their own resources illustrates why maintaining accurate, current documentation of security controls matters just as much as having a policy in the first place.<\/span><\/p>\n<h2><b>Preparing for Renewal<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Cyber insurance renewal has become a more involved process than it used to be, and firms benefit from treating it as an ongoing readiness exercise rather than a once a year scramble. A practical preparation approach includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reviewing current security controls against the specific questions asked on the most recent application<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Updating incident response and backup documentation before it&#8217;s requested<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Confirming multi factor authentication coverage across every system, not just the ones reviewed last year<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Gathering evidence of employee training completed throughout the policy period<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Working with a technology partner who understands what underwriters are currently asking for<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A structured<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/it-guidance\/\"> <span style=\"font-weight: 400\">technology risk guidance<\/span><\/a><span style=\"font-weight: 400\"> conversation can help firms identify gaps well before renewal deadlines, giving enough time to close them rather than facing unfavorable terms because a control wasn&#8217;t fully in place.<\/span><span style=\"font-weight: 400\"> Reviewing what forward thinking organizations are prioritizing also helps. <\/span><span style=\"font-weight: 400\">A related look at<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/blog\/what-smart-smb-leaders-are-demanding-from-their-it-partners-in-2026\/\"> <span style=\"font-weight: 400\">what smart smb leaders<\/span><\/a><span style=\"font-weight: 400\"> are demanding from their technology partners this year offers useful context for firms evaluating whether their current provider can support this level of documentation and readiness.<\/span><\/p>\n<h2><b>Why Local Expertise Matters for Long Beach Finance and Insurance Firms<\/b><\/h2>\n<p><span style=\"font-weight: 400\">National vendors and generic security platforms don&#8217;t always account for the specific regulatory environment, client expectations, and insurance market dynamics that shape how a Long Beach finance or insurance company actually operates. Working with a partner that understands both the technical requirements and the practical realities of insurance underwriting tends to produce a security program that satisfies carriers rather than one built around generic best practices alone.<\/span><\/p>\n<p><span style=\"font-weight: 400\">CMIT Solutions of Long Beach has worked directly with financial services and insurance firms across the region, helping them build security programs that meet both regulatory obligations and current underwriting expectations at the same time. That combined focus makes a measurable difference when it comes time for a policy application or renewal.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Reliable day to day support underpins all of this. <\/span><span style=\"font-weight: 400\">Access to<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/it-support\/\"> <span style=\"font-weight: 400\">responsive IT support<\/span><\/a><span style=\"font-weight: 400\">, well configured<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/network-management\/\"> <span style=\"font-weight: 400\">network security management<\/span><\/a><span style=\"font-weight: 400\">, and coordinated<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/unified-communications\/\"> <span style=\"font-weight: 400\">secure communications tools<\/span><\/a><span style=\"font-weight: 400\"> all contribute to the kind of documented, consistent security posture that satisfies both regulators and insurance underwriters.<\/span> <span style=\"font-weight: 400\">Thoughtful<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/it-procurement\/\"> <span style=\"font-weight: 400\">IT equipment procurement<\/span><\/a><span style=\"font-weight: 400\"> and properly managed<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/productivity-applications\/\"> <span style=\"font-weight: 400\">business application support<\/span><\/a><span style=\"font-weight: 400\"> further ensure that new tools are secured from the start rather than introducing gaps that could complicate a future insurance application.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Cyber insurance requirements have shifted considerably, and finance and insurance companies now face a market where coverage depends directly on demonstrable security controls rather than a simple application form. Multi factor authentication, endpoint detection, tested backups, documented incident response plans, and formal vendor risk management have all become baseline expectations rather than optional enhancements.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Firms that build these controls as part of a genuine security framework, rather than assembling them purely to satisfy an application, put themselves in a stronger position on two fronts. They reduce the likelihood of experiencing a costly incident in the first place, and they ensure that coverage actually pays out if one occurs. Treating insurance readiness as an ongoing practice rather than an annual scramble consistently produces better outcomes on both counts.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Those interested in a security assessment focused specifically on insurance readiness can<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/contact-us\/\"> <span style=\"font-weight: 400\">book a consultation<\/span><\/a><span style=\"font-weight: 400\"> to review current controls against what underwriters are asking for today.<\/span> <span style=\"font-weight: 400\">For a broader overview of how a<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/\"> <span style=\"font-weight: 400\">technology services company<\/span><\/a><span style=\"font-weight: 400\"> supports finance and insurance firms day to day, it&#8217;s worth exploring the full range of services available, along with how an<\/span><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/\"> <span style=\"font-weight: 400\">IT support partner<\/span><\/a><span style=\"font-weight: 400\"> approaches security planning for firms balancing regulatory obligations, client trust, and insurance requirements all at once.<\/span><\/p>\n<div style=\"width: 100%;background: #f4f8fa;padding: 60px 20px;font-family: Segoe UI,Arial,sans-serif\">\n<h2 style=\"text-align: center;color: #000;font-size: 40px;line-height: 1.2;font-weight: 800;margin: 0 0 45px\">Frequently Asked Questions<\/h2>\n<div style=\"width: 100%;max-width: 1100px;margin: 0 auto\">\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">1. Why have cyber insurance requirements become stricter for finance and insurance companies?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Insurers have absorbed significant losses from ransomware and data breach claims, prompting them to require documented proof of specific controls before offering coverage.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">2. What is the most commonly required security control for cyber insurance applications?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Multi factor authentication across email, remote access, and any system containing sensitive data has become an almost universal baseline requirement.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">3. Can a firm still get coverage without endpoint detection and response tools?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">It&#8217;s becoming increasingly difficult, since many insurers now consider basic antivirus software insufficient and specifically ask about detection and response capability.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">4. How often do insurers require backup testing documentation?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Requirements vary by carrier, but many now request evidence of recent, successful test restorations rather than accepting a general statement that backups exist.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">5. What happens if a firm&#8217;s actual security controls don&#8217;t match its application?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Insurers have increasingly denied or reduced claim payouts when a discrepancy is discovered, making accurate documentation just as important as having coverage in place.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">6. Do insurers require a formal incident response plan?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Yes, most current applications ask about a documented plan, and increasingly want evidence that it has been tested rather than simply written and filed away.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">7. How does employee training factor into cyber insurance underwriting?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Underwriters often request evidence of recurring training frequency and topics covered, since human error remains one of the most common causes of successful attacks.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">8. Are third party vendors considered during the underwriting process?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Yes, insurers increasingly ask how firms manage vendor risk, since a compromised vendor can create a path into the applicant&#8217;s own systems.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">9. Does moving to cloud based systems improve insurance standing?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Often yes, since cloud platforms can make it easier to demonstrate encryption, access logging, and centralized monitoring compared to legacy on premises systems.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">10. How much can premiums vary based on a firm&#8217;s security posture?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Pricing differences can be significant, with firms demonstrating strong controls often receiving considerably better terms than those with documented gaps.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">11. What is the difference between having a policy and having a payable claim?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">A policy provides coverage in principle, but a claim can be denied or reduced if the firm can&#8217;t demonstrate the required controls were active at the time of the incident.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">12. How can a firm prepare for a more rigorous renewal process?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Reviewing current controls against recent application questions, updating documentation regularly, and closing gaps well before the renewal deadline all help.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">13. Is network segmentation something insurers ask about specifically?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Some underwriters do inquire about network architecture, since segmentation limits how far an attacker can move if one system is compromised.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">14. Do smaller finance and insurance firms face the same requirements as larger companies?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Requirements generally scale with policy size and risk exposure, but even smaller firms are increasingly expected to demonstrate baseline controls like multi factor authentication.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">15. Can a managed IT services provider help with the insurance application process?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Yes, a provider can help implement required controls and gather the documentation insurers request, streamlining both the application and renewal process.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">16. What role does continuous monitoring play in cyber insurance readiness?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Continuous monitoring demonstrates active security oversight and can help detect an incident early enough to limit damage, both of which insurers view favorably.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">17. How does a documented vendor risk management process affect coverage?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Firms with a formal process for evaluating and monitoring vendor security tend to be viewed more favorably during underwriting than those without one.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">18. Should a firm disclose past incidents when applying for cyber insurance?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Applications typically require disclosure of prior incidents, and inaccurate or incomplete disclosure can jeopardize coverage validity later if discovered.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">19. How does regulatory compliance overlap with cyber insurance requirements?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1.5;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">Many of the same controls required for regulatory compliance, like access logging and encryption, are also commonly requested by insurance underwriters.<\/div>\n<\/details>\n<details style=\"width: 100%;background: #fff;border-radius: 14px;margin: 0 0 18px;padding: 0 28px;overflow: hidden\">\n<summary style=\"cursor: pointer;position: relative;padding: 24px 48px 24px 0;font-size: 19px;line-height: 1.5;font-weight: 600;color: #111\">20. How can CMIT Solutions of Long Beach help a finance or insurance company meet current requirements?<span style=\"position: absolute;right: 0;color: #f46048;font-size: 28px;line-height: 1;font-weight: bold\">+<\/span><\/summary>\n<div style=\"padding: 0 0 24px;color: #444;font-size: 16px;line-height: 1.7\">CMIT Solutions of Long Beach works directly with financial services and insurance firms to implement required security controls and maintain the documentation underwriters expect during application and renewal.<b style=\"color: #333333;font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif\"><\/b><\/div>\n<\/details>\n<\/div>\n<\/div>\n<p><b><a href=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/contact-us\/\"><img decoding=\"async\" class=\"aligncenter wp-image-941\" src=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2025\/04\/Blue-and-White-Bold-Call-To-Action-LinkedIn-Banner-1200-x-300-px-7-1024x256-1.png\" alt=\"\" width=\"808\" height=\"202\" srcset=\"https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2025\/04\/Blue-and-White-Bold-Call-To-Action-LinkedIn-Banner-1200-x-300-px-7-1024x256-1.png 1024w, https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2025\/04\/Blue-and-White-Bold-Call-To-Action-LinkedIn-Banner-1200-x-300-px-7-1024x256-1-300x75.png 300w, https:\/\/cmitsolutions.com\/long-beach-ca-1217\/wp-content\/uploads\/sites\/234\/2025\/04\/Blue-and-White-Bold-Call-To-Action-LinkedIn-Banner-1200-x-300-px-7-1024x256-1-768x192.png 768w\" sizes=\"(max-width: 808px) 100vw, 808px\" \/><\/a><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cyber insurance used to be a relatively simple purchase. 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