Getting cyber insurance isn’t just about paying for a plan. Most insurance companies want to see that you’re taking steps to protect your systems before they agree to cover you. If your setup is weak or full of risks, they might reject your application or charge you more. In 2025, there are some common security standards that most insurers look for before giving approval.
First, you need to use strong passwords and multi-factor authentication. That means not just using “123456” or “password” but choosing hard-to-guess codes. Multi-factor means you need a second step, like a code sent to your phone, to log in. This makes it much harder for hackers to break in.
Second, your software must be updated regularly. If you’re still using old programs or haven’t updated your operating system in months, you’re at higher risk. Hackers often get in through outdated tools. Insurance companies want to know you patch and update your software on time.
Third, you need a firewall and antivirus protection. A firewall helps block unwanted traffic, and antivirus tools can catch threats before they do damage. These basic tools are your first defense. If you don’t have them, the insurer may not take your application seriously.
Fourth, you must back up your data. Insurance companies want to see that your files are saved somewhere safe, not just on one computer. You can use cloud storage or an external hard drive, but the key is to have a copy in case you’re locked out or lose everything. Some insurers ask how often you back up and where the backup is stored.
Fifth, employee or user training is important—even if you're a solo freelancer. You should know how to spot phishing emails, fake links, and scam tricks. If you have a team, insurers will want to know they’ve had basic training too. Many attacks happen because someone clicks something they shouldn’t.
Sixth, you should have a response plan. That means you’ve thought about what to do if you get hacked. Who will you call? What systems will you shut down? What data will you protect first? A simple written plan shows you’re prepared. Some insurers ask to see it before giving full coverage.
These steps may sound like a lot, but they’re becoming standard now. Insurers want to cover people who take security seriously. If you follow these six things, you’re more likely to qualify, get better prices, and have strong support if something goes wrong. Taking action now also means less risk later, with or without insurance.
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