Cyber insurance tightens
Research shows 2026 cyber insurers increasingly require EDR and, for larger or regulated firms, 24/7 SOC monitoring — insurers are also asking detailed questions about segmentation and recoverability. That shift raises the bar for healthcare and finance compliance programs and turns operational controls into underwriting metrics. (facettech.com)
Global cyber premiums reached nearly $15 billion in 2024, U.S. direct written premiums were about $9.14 billion, and the number of reported claims rose almost 40% to nearly 50,000. (content.naic.org) Marsh McLennan's Cyber Risk Intelligence Center identified incident response planning, multi‑factor authentication and endpoint controls among the top controls correlated with lower claim likelihood in its August 27, 2025 report. (corporate.marsh.com) Chubb announced a preferred Managed Detection & Response partnership with Arctic Wolf for policyholders with more than 100 employees in a February 5, 2026 press release, signaling carriers are embedding vendor relationships into underwriting workflows. (arcticwolf.com) Underwriters are asking for artifacts such as SIEM/log exports, EDR telemetry retention records, immutable/air‑gapped backup restoration test results and network segmentation diagrams during submissions and renewals. (insurancecurator.com) Carriers have moved away from simple self‑attestation: market commentary and vendor research note insurers now require technical verification or remediation before binding coverage, not just questionnaire answers. (picussecurity.com) Regulated sectors face tougher scrutiny—guides tracking 2026 requirements list healthcare and finance as subject to stricter controls and higher underwriting hurdles, while Marsh reported the healthcare industry had previously led in claim volume before 2025 shifts. (moneygeek.com) Brokers and market guides quantify the commercial impact: firms that document and demonstrate baseline controls can see premium improvements in the tens of percent, and carriers increasingly tie limits and deductibles to evidence of operational controls. (reloit.net)
