Cyber-insurance applications have changed. Carriers that once asked a few yes/no questions now want evidence of specific controls, and businesses that cannot show them are paying more or being declined.
The seven that appear on nearly every application: multi-factor authentication on email and remote access; endpoint detection and response on every device; tested, off-site backups; email filtering and phishing protection; a patching schedule; security awareness training; and a written incident response plan.
None of these require an enterprise budget. Most are configuration, discipline and the right managed tools. The mistake is waiting until the renewal arrives with a 30-day deadline.
If your renewal is within six months, start now. Quantum maps your current state to the carrier's questionnaire, closes the gaps and delivers the documentation underwriters accept.