Information security program governance support

I help owners develop or improve a right-sized information security program that aligns with the business. Look into information security program governance support with TrustHarbor.

Do you have cyber insurance?
If you have to make a claim, will it get paid?
Or will the insurer point to a defect in your information security program to deny it?

My readiness assessment can give you confidence your loss will be covered.

Insurance Readiness Defensibility

The Pragmentum Cyber Insurance Readiness Assessment System is a method for independently gaining confidence that a business’s cyber security program meets the requirements of their cyber insurance policies and that if they make a claim, it will not be denied due to a defect in the program.

The assessment outcome shows how a business can produce evidence that their program and staff behavior meet the policy requirements. For any gaps observed, options to meet the requirements are provided.

Book a Consultation

Validate that your cyber insurance claim will not be denied due to a defect in your information security program.

More about the assessment

The system consists of three components:

• The Assessment Method
• The Assessment Worksheet
• The Assessment Report

Stakeholder Value

For business owners

Business owners rely on cyber insurance to protect against financial loss, operational disruption, and recovery costs.

This service helps owners answer important questions:

• Can your insurance answers be defended if a claim occurs?
• Are there gaps that could affect coverage?
• Are you relying on assumptions that should be clarified?

This provides confidence that your insurance protection aligns with reality.

For insurance brokers

Brokers help clients secure coverage and navigate underwriting requirements.

This service supports brokers by providing independent confirmation of client readiness, helping reduce uncertainty during renewal and strengthening client confidence.

It provides an additional layer of defensibility without disrupting the client’s existing IT or MSP relationships.

Why independence matters

Most insurance readiness evaluations are performed by the same parties responsible for implementing or managing security controls.

This creates a natural limitation. Operational confirmation is not the same as independent interpretation.

This service is independent of system operation, tool deployment, and managed services. It focuses solely on how insurer requirements and client practices align.

Independence allows questions to be evaluated objectively, without operational bias.

Interpretation discipline and insurance-focused reasoning

Cyber insurance requirements may be written in broad or ambiguous terms. Correct interpretation requires disciplined analysis of insurer language, operational practice, and claim defensibility.

This service applies structured interpretation to determine whether answers and supporting practices align with insurer expectations.

The focus is not on theoretical best practices, but on how insurers would reasonably interpret your answers if reviewed.

This insurance-focused reasoning provides practical clarity where automated tools and operational reviews cannot.

Governance-based defensibility logic

Insurance readiness depends on more than the presence of security tools. It depends on evidence on how practices are governed, understood, and explainable.

Governance-based defensibility logic provides a structured way to evaluate whether your security practices can be clearly understood, explained, and defended.

It focuses on questions such as:

• Are responsibilities clear?
• Are practices intentional and repeatable?
• Can your answers be explained consistently?
• Would a third party understand how your protections work?

This logic strengthens defensibility by ensuring that your insurance position reflects how your business actually operates.

This approach is grounded in established information security governance principles and provides a reliable foundation for interpreting insurance readiness.

Helping understand insurance readiness

Cyber insurance questionnaires and policy requirements may be complex and difficult to interpret.

Businesses may answer these questions without a clear understanding of how insurers interpret them or how they may be evaluated during a claim.

This service provides educational value by helping businesses understand:

• What insurers are actually asking
• How their answers may be interpreted
• What constitutes defensible alignment
• Where assumptions or uncertainty exist

This improves decision-making and strengthens long-term readiness.

Education is a key part of readiness. Clarity reduces risk.

How this service complements existing MSP and security relationships

This service does not replace MSPs or security providers. MSPs implement and operate controls. This service independently interprets insurance alignment.

It helps validate that the business’s insurance position accurately reflects operational reality.

This strengthens the overall risk posture without disrupting existing relationships.

Optional next steps if gaps are identified

If readiness gaps are identified, businesses may choose to address them.

Structured governance guidance is available through the TrustHarbor information security governance framework, which provides a clear path for strengthening defensibility over time.

This is optional and separate from an insurance readiness assessment.

Summary

Cyber insurance protects your business when it matters most. This service helps validate that your insurance questionnaire answers and evidence align with insurer expectations before a claim occurs.

Independent confirmation reduces uncertainty and supports confident decision-making.

Book a Consultation

Validate that your cyber insurance claim will not be denied due to a defect in your information security program.