06/01/2026
“We have cyber insurance.”
Those four words create one of the most dangerous false senses of security in business today.
Consider the case involving Travelers Insurance and a company that suffered a ransomware attack.
When the claim was filed, the discussion wasn’t simply about the breach.
The insurer reportedly examined whether the cybersecurity controls represented during underwriting actually existed when the incident occurred.
Specifically, questions were raised about Multi-Factor Authentication (MFA) and whether it had been fully implemented as stated.
Think about that for a moment.
After a cyber incident is the worst possible time to discover:
❌ Security controls were never fully implemented
❌ Documentation is incomplete
❌ Policies exist but cannot be proven
❌ Executive leadership assumed someone else was handling it
A cyber insurance policy is not just a financial instrument.
It’s also a set of expectations.
When a significant claim occurs, carriers often want evidence that the controls, processes, and safeguards represented during underwriting were actually in place.
The question every business owner, executive, and board member should ask is:
“Could we defend our cybersecurity posture today if we had to file a claim tomorrow?”
At InfoTech Innovators, we help organizations evaluate their cyber insurance defensibility before an incident occurs.
Not by selling fear.
Not by selling another technology product.
By helping leadership understand where they stand, identify gaps, and improve their ability to demonstrate reasonable cybersecurity due diligence.
Because after a breach, you don’t get a second chance to prepare.
