Free guide for MSPs

What Underwriters Ask About Privileged Access

Your clients' cyber insurance applications now name your tooling, your access, and in some cases you. A practical guide to the questions carriers ask, the evidence they accept, and the privileged access controls behind both.

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Cover of What Underwriters Ask About Privileged Access, CyberQP's cyber insurance field guide
Why it matters

The answers are now warranties

Cyber insurance applications used to be a formality: a short form, a handful of yes-or-no boxes and a policy in the mail. That is no longer how it works, and the change is sharper than most MSPs realize because it happened while premiums were falling.

The questions themselves are not new: MFA, backups, privileged accounts, offboarding. What changed is that the answers are now treated as warranties. An underwriter who accepts your 'yes' at binding can revisit it at claim time, and the difference between a control that exists and a control you can demonstrate is the difference between a paid claim and a rescinded policy.

For MSPs there is a second change on top of the first, and it is the reason this guide exists. Carrier forms have started naming service providers directly. Your remote access tooling sits inside the scope of the MFA question. Your contact details are requested on the application. Your client base is underwritten in aggregate. The exposure is no longer purely your client's.

Inside

What the guide covers

The real questions, quoted and dated
The actual wording from Tokio Marine HCC's March 2026 NetGuard Plus form, Beazley's April 2023 applications and others, with form numbers so you can check us.
A working understanding of privileged access management
Section six explains how PAM addresses accounts that hold elevated rights all the time, in eight phases, and which application question each phase answers.
The artifact that proves each answer
For each of the five control areas, the specific export, log or report that satisfies an underwriter or claims adjuster. Section 11 is an answer key of 15 questions to work through before your next renewal.
What happens when the evidence is not there
Three documented cases, including one where the insurer paid the client and then sued the client's IT provider.
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