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The Cyber Insurance Gap Report: What Most Policies Don’t Actually Cover

Free Research Report · PDF

The Cyber Insurance Gap Report: What Most Policies Don't Actually Cover

A free, no-nonsense look at where cyber insurance quietly stops protecting your business — and what to check before you ever need to file a claim.

Cover of The Cyber Insurance Gap Report: What Most Policies Don't Actually Cover

What’s inside

  • The 5 exclusions insurers rely on most to deny or shrink a claim, and why they’re easy to miss when you’re reading a policy on your own.
  • A plain-English breakdown of “reasonable security” requirements — the vague standard many carriers now use to determine whether a claim gets paid at all.
  • The gap between what a policy insures and what an incident actually costs, including the costs that tend to get left out of the conversation.
  • A short readiness checklist you can walk through in 15 minutes to see where your current security posture might create a coverage problem.

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About this report

Cyber insurance has become a standard line item for growing businesses, but the coverage itself hasn’t kept pace with how these policies actually get tested. This report pulls together the most common gaps between incident response plans and cyber coverage — not to sell you a policy, but to help you ask better questions before you’re relying on one. It’s written for business owners and operators, not insurance underwriters, so you won’t need a glossary to get through it.

Editorial & AI Disclosure