The cyber insurance market has hardened considerably as insurers absorbed years of ransomware-driven losses. Underwriting questionnaires that once asked broad yes-or-no questions now demand specifics: whether multi-factor authentication is enforced on every remote access path, whether backups are truly immutable and tested, and whether endpoint detection covers the full estate rather than a partial rollout.
Controls insurers actually verify
Insurers increasingly validate claims through external attack surface scans rather than relying solely on self-reported questionnaires, meaning gaps between what an organization states and what is actually exposed on the internet can surface before a policy is even issued. Common denial triggers include unpatched internet-facing systems, absent network segmentation, and privileged accounts without multi-factor authentication.
Treating insurance readiness as a security program driver, not merely a procurement exercise, tends to produce better outcomes: the same controls that reduce premiums also reduce the likelihood of needing to file a claim in the first place.
JIG helps organizations assess and close the control gaps that both attackers and underwriters are looking for.