02/17/2026
Cyber insurance has quietly changed a lot over the last few years, and many businesses haven’t realized it yet.
It used to be a simple application and a checkbox exercise. Now insurance carriers are asking much deeper questions and requesting proof that certain protections are actually in place.
Here are a few things we’re seeing come up regularly in cyber insurance applications and renewals:
🔍 Multi-factor authentication is often required across email, remote access, and admin accounts
🔍Endpoint protection and ongoing monitoring are expected, not optional
🔍 Backups need to be tested and documented, not just installed
🔍Employee security awareness training is commonly required
🔍Many applications now ask about incident response plans and how quickly you can respond to a breach
In most cases, businesses are seeing higher premiums, reduced coverage, or even difficulty renewing if these controls aren’t in place.
We’re sharing this because it’s something business owners are often surprised by during renewal season.
If you’d like help reviewing where you stand, TotalBC can walk through your environment and help you prepare before renewal time. Contact us today at 866-673-8682 or visit www.totalbc.com to learn more.