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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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difference between a control that exists and a control you can demonstrate is the difference between a paid claim and a rescinded policy.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.