Cyber Insurance Is Pricing Assurance - Not Controls

Cyber insurance has changed.

Insurers no longer assume that security tools reduce loss. Years of claims data have shown that controls alone are a poor predictor of outcomes.

As a result, underwriting has shifted toward governance and assurance maturity.

Insurers now look for:

• Board oversight of cyber risk
  
  
• Evidence of ongoing assurance
  
  
• Clear ownership and escalation
  
  
• Alignment between risk and controls
  
  

This is why organisations with similar technical stacks receive very different premiums - or exclusions.

From an insurer’s perspective, assurance answers the key question:

“How confident are we that this organisation understands and manages its risk?”

Static audits and compliance certificates carry limited weight. Continuous assurance carries far more.

At RockSec360, we see assurance maturity directly influencing:

• Premium levels
  
  
• Policy exclusions
  
  
• Claim outcomes
  
  

Cyber insurance no longer compensates for weak governance.
It tests whether governance is real.

👉 Improve your insurance posture with the Cyber Risk & Compliance Snapshot.