Your insurance renewal is coming. Here’s what they’ll ask for.
Your cyber insurance renewal lands next month. The form looks familiar. But the questions have changed.
They’re not asking for your revenue anymore. They’re asking for your pentest report. Your MFA adoption rate. Your incident response plan. Your backup restoration test logs.
If you can’t show proof, you get denied. Or you pay 3x the premium. Or both.
Cyber insurance is tightening hard in 2026. Carriers lost billions in ransomware payouts. Now they’re underwriting like actual risk assessors — not check‑box collectors. A pentest isn’t optional anymore. It’s a line item for staying insured.
What Your Insurer Will Ask For (And Why)
📄 1. A recent penetration test report
Not a vulnerability scan. Not an attestation letter. A real report from a real human who tried to break in. They want to see what you fixed and what you’re still ignoring.
🔐 2. MFA enforcement evidence
Not “MFA available.” MFA required. For every admin account. For every remote access path. No exceptions. They will ask for logs.
🛡️ 3. An incident response plan (tested)
A PDF on a shared drive doesn’t count. They want proof you’ve run tabletop exercises. That you’ve actually practiced shutting down an attack.
💾 4. Backup restoration test results
Having backups isn’t enough. They want to know the last time you successfully restored from them. Ransomware doesn’t care about your backup schedule. It cares about your restore capability.
📋 5. A remediation tracker
Vulnerabilities found → fixed → verified. They want to see the cycle. Not just the finding. The closure.
A 50‑person logistics company had paid €40k/year for cyber insurance for three years. Never filed a claim. Renewal came. New questionnaire asked: “Date of last external penetration test.” Answer: “Never.”
Premium went from €40k to €120k. They had 30 days to get a pentest or the policy was cancelled. They called me. We tested. We found 8 critical issues. They fixed them. Premium dropped back to €55k.
The test paid for itself 10x over.
What Happens If You Can’t Show Proof
- Denial. Some carriers will simply refuse to renew. You’re too risky.
- 3x premium. Others will keep you — at a price. A €30k policy becomes €90k overnight.
- High deductibles. Your coverage shrinks. Your out‑of‑pocket costs explode.
- Post‑claim audits. Even if they insure you, they’ll audit after a breach. If they find you lied on the application, they deny the claim and keep your premiums. That’s the worst outcome.
You can survive a breach. You can survive a premium hike. But you cannot survive a denied claim after a €1M ransomware attack. That’s where businesses close.
Insurance isn’t a safety net if you lied to get it.
The Pentest + Retest Combo — Your Insurance Package
One test finds your gaps. A second test proves you fixed them. Insurers want both. Here’s how we package it:
- Initial pentest: Full infrastructure, web, and API testing. 50‑page report. Attack narrative. Prioritized fix list.
- Remediation period: Your team fixes the critical issues. We advise. We answer questions. No extra fees.
- Retest: We verify every fix. Produce a final report your insurer can’t argue with.
- Attestation letter: Optional. A signed document stating your security posture meets industry standards.
✅ One comprehensive pentest
✅ 60‑day remediation support (we answer your team’s questions)
✅ One full retest of all critical findings
✅ An insurer‑ready attestation report
✅ Peace of mind that your renewal won’t be a nightmare
Price: €6,000 – €8,000 (depending on scope). Most clients save that much on their first year of reduced premiums.
Don’t Wait for the Renewal Letter
Your insurance renewal is coming. The questions have changed. The consequences for failing are real.
A pentest isn’t a luxury anymore. It’s a line item for staying insured. And the retest proves you actually fixed what we found.
Book the combo. Fix your posture. Renew with confidence.
Your renewal is coming. Let’s get you ready.
Pentest + retest combo: €6,000 – €8,000. Includes report, remediation support, and insurer‑ready attestation.
📩 DM @StackOfTruths on XFree 15-min consultation. No hard sell. Just honest answers about your insurance posture.
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