Cyber & Tech Insurance
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A cyber insurance readiness check assesses the six controls underwriters weight most in 2026: multi-factor authentication (MFA) on all privileged and remote-access accounts; endpoint detection and response (EDR) on every device; immutable, off-site backups following the 3-2-1 rule; a written incident response plan with ransomware decision tree; documented patch management with CISA KEV remediation timelines; and quarterly phishing simulation training. CyberStackHub's free tools generate the evidence package each underwriter asks for — risk score, MFA/EDR attestation, IRP document, backup policy — so you walk into the carrier questionnaire ready.

The free cyber insurance readiness check is the 5-minute self-serve assessment at /assess — no signup, no credit card. Answer ~20 questions about your MFA, EDR, backups, IRP, patch cadence, and training program. You instantly receive a 0-100 readiness score plus a list of the specific gaps carriers will flag at underwriting. Your answers map directly to the questionnaire used by Hartford, Coalition, Chubb, and Travelers, so the score reflects what underwriters actually see.

After you complete the readiness check, book a free 15-minute consultation with a Corgi Insurance advisor. Bring (or share) your CyberStackHub readiness report — Corgi's team uses it as the evidence package when negotiating with underwriters. Customers who arrive at the consult with strong readiness scores routinely see 20-40% premium improvements versus a no-evidence application, because underwriters price the documented controls, not the application answers alone. Quotes bind same-day, often in under 10 minutes.

Yes. Industry data shows cyber claim denials rose sharply through 2024-2026 as carriers tightened underwriting on uninsured controls — applications without MFA, EDR, backups, or a written IRP are now declined or voided at first incident. The average SMB breach cost ($3.31M per IBM 2025) exceeds most small-business cash positions, and ransomware-only attacks averaged a six-figure demand in 2025. Cyber liability is the difference between an incident you survive and an incident that ends the business.

No — a readiness check is a control-evidence self-assessment (the kind underwriters ask for at application), while a penetration test is an active offensive test against your live environment that finds exploitable bugs. Most SMBs need the readiness check first (free, 5 minutes, generates the questionnaire evidence) and only need a paid pentest after they have the in-place controls the underwriter requires. If you already have MFA + EDR + backups + IRP in place, see /tools/pentest-readiness to scope the right test for your environment.