Cyber Insurance in 2025: What You Must Have in Place to Qualify

Introduction

Cyber insurance has become a necessity for businesses of all sizes. But in 2025, insurers have raised the bar. Businesses that fail to meet minimum security standards may not qualify for coverage — or face sky-high premiums.

What Insurers Now Require

• Multi-factor authentication (MFA) across all critical systems.
• Endpoint detection and response (EDR) to stop ransomware and malware.
• Regular backups stored offsite and tested frequently.
• Incident response plans documented and practiced.
• Employee training to reduce phishing risks.

Why Requirements Are Stricter

• Ransomware payouts skyrocketed in 2024.
• Attackers now target small and mid-sized businesses as much as enterprises.
• Insurers must reduce risk exposure.

How Businesses Can Prepare

• Partner with a managed security provider to implement the required controls.
• Conduct a gap assessment against insurer questionnaires.
• Keep documentation to prove compliance during renewal or claims.

Conclusion

Cyber insurance isn’t just about transferring risk — it’s about proving resilience. Businesses that meet insurer requirements not only get better premiums but also improve their overall security posture.