Three gaps appearing consistently at renewal – and what each one costs
Cyber insurance renewals have changed. A few years ago, the standard questionnaire covered perimeter security, patching cadence, and multi-factor authentication. Today, insurers are asking specific, technical questions about recovery posture – and for many organisations, the answers are surfacing gaps they did not know existed.
The consequences of an unsatisfactory answer are no longer limited to a difficult conversation. Depending on what the renewal uncovers, organisations are facing:
- Coverage exclusions for the exact scenarios they are insuring against
- Premium increases that reflect a risk profile insurers are no longer willing to absorb at standard rates
- Mandatory remediation requirements before renewal can proceed
This brief covers the three gaps appearing most consistently at renewal, what a satisfactory answer to each requires, and why these questions matter well beyond the insurance conversation.
