Carriers now deny claims over missing MFA, EDR, or backup controls. We get Richmond businesses compliant with every line of the application — honestly — so coverage holds when you actually need it.
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Cyber insurance covers the cost of a breach — forensics, notification, ransom, downtime, and liability. But carriers have tightened underwriting dramatically. Today the application is a security audit, and missing controls mean higher premiums, denied coverage, or a rejected claim after an incident.
What carriers now require: Multi-factor authentication everywhere, endpoint detection and response, immutable and tested backups, email filtering, security awareness training, and a written incident response plan.
Why claims get denied: If you attested to a control on the application and did not actually have it, the carrier can rescind the policy or deny the claim. Accuracy is not optional.
What it is not: A policy is not a substitute for security. It is the financial backstop that sits behind controls you must already run.
Who needs it in Richmond: Financial-services and insurance firms, law firms holding IOLTA and client funds, healthcare practices, government contractors, and any business that would stop operating if its data were encrypted.
A Henrico firm submits a renewal application, answers “no” to MFA and EDR, and the premium doubles — or the carrier declines to renew at all.
A business suffers ransomware, files a claim, and the carrier’s forensics team finds the backups were never tested and MFA was not enforced. The claim is denied and the loss is uninsured.
An executive signs an application attesting to controls the company does not have. After a breach, that signature becomes grounds for rescission — and a personal exposure question.
Average U.S. data breach cost in 2025 — the exposure your policy is meant to cover. Source: IBM 2025.
Of breaches involve ransomware, the loss type carriers scrutinize most. Source: Verizon DBIR 2025.
Of SMB breaches involve ransomware — which is why small firms face the toughest underwriting. Source: Verizon DBIR 2025.
We walk your carrier’s application line by line, flag every control you are missing, and tell you exactly what to fix before you sign anything.
MFA, EDR, email security, immutable backups with restore testing, and security awareness training — implemented and documented so your answers are true.
A written, tested IR plan with roles, escalation, and carrier notification steps — the document underwriters and adjusters both look for.
We maintain the logs, reports, and attestable proof that keep premiums down and stand up if you ever have to file.
Real reviews from Capital Techies clients on Google.
At minimum: MFA on email, remote access, and admin accounts; endpoint detection and response; immutable, tested backups; email filtering; security awareness training; and a written incident response plan. Carriers increasingly verify these, not just ask.
Yes. If you attested to a control you did not have, or a required control was not in place, carriers can reduce, deny, or rescind. Accurate attestation backed by real controls is the whole game.
Generally yes. Demonstrable MFA, EDR, and tested backups move you into a lower risk tier and can meaningfully reduce premiums at renewal.
Especially small businesses. Most breaches hit SMBs, and a single ransomware event can exceed a small firm’s cash reserves. Insurance plus real controls is the standard combination.
Yes. We handle the questionnaire, deploy and maintain the controls, keep the evidence current, and support you through renewals and any claim.
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