If you have to make a claim, will it be paid?
Insurance Readiness
The Pragmentum Cyber Insurance Readiness Assessment System independently assures confidence that your business’s cyber security program meets the requirements of your cyber insurance policy. Confidence that if you make claim, it will not be denied due to a fixable program defect.
The assessment outcome shows how you can produce evidence that your program and staff behavior meet the policy requirements. For any gaps observed during an assessment, options to meet the requirements are outlined.
Book a Consultation
Validate that your cyber insurance claim will not be denied due to a fixable defect in your information security program.
The assessment system
The system consists of three components:
- The Assessment Method
- The Assessment Worksheet
- The Assessment Report
What The Assessment Does
- Interpret insurer questionnaire and policy requirements
- Collaborate on how your business can demonstrate that existing practices and behaviors are defensible in insurance terms
- Record how defensibility would be demonstrated
- Identify requirements as Defensible or Not Defensible
- Provide options for achieving defensibility where gaps exist
- Produce a consolidated readiness report
What The Assessment Does Not
- Access or operate client systems
- Evaluate MSP or technical services
- Certify compliance or guarantee coverage
Assessment Scope
- Security governance and responsibility
- Asset and data awareness
- Identity and access protection
- System protection and update practices
- Backup and recovery capability
- Incident response and recovery readiness
- Control documentation and evidence availability
How It Fits into the Workflow
- Client receives insurance questionnaire or renewal notice
- MSP supports operational responses
- Broker prepares placement or renewal submission
- Independent readiness review confirms defensibility
- Stakeholders proceed with greater clarity
Stakeholder Value
For business owners
Clients seek to protect their business and avoid uncovered losses. Cyber insurance questionnaires can be complex, and it is not always clear whether existing practices fully align with insurer expectations.
An independent readiness review provides clarity by evaluating whether current information security practices are defensible in insurance terms and whether that defensibility can be demonstrated if reviewed during a claim.
The review establishes a documented defensibility position and identifies defined steps to address any gaps. It strengthens confidence that insurance coverage aligns with how the business actually operates its information security program.
The value:
- Provides independent confirmation that cyber insurance questionnaire answers and supporting practices are defensible
- Clarifies alignment between existing controls and insurer requirements
- Identifies gaps before renewal or claim pressure arises
- Documents how defensibility would be demonstrated if reviewed
- Strengthens confidence that coverage reflects operating practices
- Establishes a reusable readiness baseline that can be maintained over time
This provides confidence that your insurance protection aligns with reality.
For insurance brokers
Brokers are focused on reducing renewal friction, avoiding claim disputes, and increasing client confidence. Ambiguity in questionnaire responses creates exposure for both client and broker. An independent readiness review provides structured validation that client practices are defensible and aligned with insurer expectations.
The review establishes a documented defensibility position supported by clear alignment to policy requirements. This strengthens advisory credibility and reduces uncertainty during underwriting or claim review.
The value:
- Supports clients in preparing for cyber insurance applications and renewals
- Provides independent readiness validation aligned with insurer expectations
- Reduces ambiguity in questionnaire responses
- Strengthens advisory credibility
- Improves client understanding of their defensibility posture
For MSP
MSPs are focused on protecting their operational credibility and avoiding unnecessary liability exposure. They implement and manage technical controls, but uncertainty can remain regarding how those controls align with insurer expectations. An independent readiness review evaluates whether implemented controls are demonstrable and defensible in insurance terms. It strengthens client confidence while preserving the MSP’s operational role.
The value:
- Provides independent readiness evaluation aligned with insurer expectations
- Clarifies whether implemented controls support insurance defensibility
- Identifies governance and documentation gaps
- Reinforces client confidence and operational resilience
For Insurers
Insurers are focused on underwriting discipline, loss control, and reducing claim disputes. Questionnaire responses can be incomplete, misunderstood, or inconsistently interpreted, creating representation risk and post-loss friction.
An independent readiness review evaluates whether a policyholder’s controls and recovery capability are demonstrable in insurance terms. It provides validation that representations are supported by evidence and aligned with underwriting expectations.
The value:
- Provides independent validation of control demonstrability
- Reduces representation ambiguity at underwriting and renewal
- Supports more consistent interpretation of questionnaire responses
- Improves confidence that policyholder controls can be substantiated if reviewed
- Contributes to reduced claim friction and clearer defensibility position
Summary
Cyber insurance protects your business when it matters most. This service helps validate that your insurance questionnaire answers and program’s 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 fixable defect in your information security program.