Cyber insurance underwriting has quietly become a security audit. Applications now ask, in writing, whether you enforce multi-factor authentication everywhere, run endpoint detection and response (EDR), and keep tested, isolated backups. Answer no — or answer yes inaccurately — and you face denial, exclusions, or a voided claim when you need it most.
The firms that struggle are rarely negligent; they simply never mapped their actual configuration against what the application asserts. The gap between "we think we have MFA" and "MFA is enforced for every account, including admins" is exactly where claims die.
The move this weekPull your last application (or a fresh one from your broker) and verify every security attestation against your real Microsoft 365 configuration. Close the gaps before renewal, and keep the evidence — it lowers premiums and it keeps claims payable.
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