Your Cyber Insurance Renewal
Depends on This Audit
80% of cyber insurance claims are denied due to non-compliance with policy requirements. Premiums are up 30% year over year. We audit your security controls, close the gaps, and give you the certification letter your insurer needs. Stop overpaying and start qualifying.
The Claim Denial Crisis Is Real
In 2024, 80% of cyber insurance claims were denied or reduced due to policyholders failing to maintain required security controls. The most common reasons: missing MFA on privileged accounts, no EDR deployment, unpatched critical vulnerabilities older than 30 days, and no documented incident response plan. If your next claim is denied, the average uninsured breach cost is $4.45 million.
What Your Insurance Provider Now Demands
MFA Everywhere
Multi-factor authentication on all external-facing systems, VPN access, email, cloud services, and privileged administrative accounts. SMS-based MFA is increasingly rejected.
Endpoint Detection and Response
EDR deployed on 100% of endpoints, including servers. Basic antivirus is no longer sufficient. Insurers want real-time threat detection and automated response capabilities.
Patch Management
Critical vulnerabilities must be patched within 14 to 30 days. Insurers now verify patch compliance as part of renewal. Unpatched systems are the number one claim denial reason.
Incident Response Plan
A documented, tested incident response plan with defined roles, communication procedures, and recovery steps. Tabletop exercises must be conducted at least annually.
Employee Security Training
Regular security awareness training for all employees, with phishing simulations. Completion rates must be documented and provided upon request.
Backup Verification
Encrypted, immutable backups stored offline or in air-gapped environments. Regular restoration testing must be documented. Ransomware recovery depends on this.
From Gap Analysis to Certification Letter
Gap Analysis (Week 1)
We assess your current security posture against the specific requirements of your insurance provider. Every control is evaluated and documented.
- MFA coverage assessment across all systems
- EDR deployment and coverage verification
- Patch management process and compliance review
- Backup strategy and restoration testing evaluation
- Incident response plan completeness check
Remediation Roadmap (Week 2)
We prioritize gaps by insurance impact and provide a clear, actionable plan to close each one before your renewal deadline.
- Prioritized gap list by insurer requirement
- Specific remediation steps for each gap
- Tool and vendor recommendations
- Timeline and resource estimates
- Quick wins vs. long-term improvements
Certification and Insurer Liaison (Week 3 to 4)
We produce the formal certification letter and work directly with your insurance provider to ensure a smooth renewal and maximum premium reduction.
- Formal security posture certification letter
- Insurer-formatted evidence package
- Direct communication with insurer security team
- Premium reduction negotiation support
- Post-audit monitoring recommendations
The ROI Is Undeniable
Your audit investment pays for itself through premium reductions alone, before even counting the protection against claim denials.
Companies That Qualified and Saved
Our cyber insurance premium dropped 25% after the Seraphim audit. The certification letter was exactly what our insurer needed. The audit paid for itself 5 times over in the first year.
We were about to be denied renewal until Seraphim identified and helped us close 12 critical gaps in 3 weeks. Our insurer renewed the policy and actually reduced our premium by 18%.
The gap analysis revealed that our MFA deployment only covered 60% of required accounts. We thought we were compliant. Without this audit, our next claim would have been denied.
Cybersecurity Insurance Audit Packages
Gap Analysis
Identify compliance gaps quickly
- Security control assessment
- Insurer requirement mapping
- Gap identification report
- Priority action items
- Executive summary
Full Audit + Certification
Complete audit with insurer certification
- Everything in Gap Analysis
- Detailed remediation roadmap
- Remediation support
- Formal certification letter
- Direct insurer liaison
- Premium negotiation support
Continuous Compliance
Year-round insurance readiness
- Monthly security posture checks
- Patch compliance monitoring
- MFA coverage tracking
- Quarterly mini-audits
- Annual certification renewal
- Insurer requirement updates
Common Questions
Get Your Insurance-Ready Security Audit
Your next renewal is approaching. Make sure you qualify for coverage and the best possible premium. Our audit gives your insurer exactly what they need to say yes.