Security · insurance readiness

Cyber insurance readiness, with proof.

Your renewal asks about MFA, endpoint protection, backups and an incident plan. We check every answer against what is really running, help you fix the gaps, and give you evidence to hand your broker.

What is at stake

Insurers want proof, not just a yes.

Cyber insurance forms now read like a security audit. Here is what is driving that, in plain English.

Coverage can be voided

In 2022 an insurer and a policyholder agreed to have a court void a cyber policy from day one. The insurer said the MFA answer on the application was wrong. That left no coverage for the ransomware attack.

Renewals ask harder questions

Carriers commonly expect MFA, monitored endpoint protection, tested backups, a written incident response plan, patching and staff training. Increasingly they want proof that each one is in place.

FTC Safeguards Rule

Auto dealers that arrange financing, mortgage brokers, tax preparers and other non-bank financial firms must keep a written security program: a risk assessment, MFA, encryption, an incident response plan and regular testing. Breaches affecting 500 or more consumers must be reported to the FTC within 30 days.

Florida breach notice

Florida businesses also have state duties. A breach affecting 500 or more Floridians must be reported to the Florida Department of Legal Affairs within 30 days.

General information, not legal advice. Ask your attorney which rules apply to your business.

Fixed prices

Clear scope. No surprises.

Start free. Most clients go from the check to the assessment to the sprint, then keep their evidence current with Security Watch. Prices are for up to 25 users unless noted.

Start here

15-Minute Insurance Readiness Check

$0
15 minutes · phone or video
results next business day
  • We walk through the 8 controls carriers ask about
  • One-page readiness score (0 to 100) and risk level
  • Your top 3 gaps, in plain English
  • No access to your systems needed
No obligation. Best done before your broker sends the renewal.
Book the free check
Fix the gaps

Readiness Sprint

$6,500 fixed
30 days · quoted above 25 users
50% to start, 50% at completion
  • MFA and conditional access enforced
  • Monitored endpoint protection deployed (licenses at cost)
  • Immutable backup set up, with a documented test restore
  • Written incident response plan plus one tabletop exercise
  • Core security policies, including a WISP for FTC-covered firms
  • Updated score and before-and-after evidence pack for your broker
Works with your current IT provider or ours.
Ask about the sprint
Stay ready

Security Watch

$2,500 / month
$3,500/mo for 26 to 75 users
12-month term
  • A named security lead (virtual CISO)
  • Monthly external vulnerability scan and one-page owner report
  • Quarterly evidence refresh and yearly renewal questionnaire help
  • Annual risk assessment update and tabletop exercise
  • Staff security training and phishing tests
  • Written annual security report to the owner
Cancel on 30 days' notice after month 3. Co-managed with your IT provider, or with ours.
Ask about Watch

24/7 managed detection and response add-on

Round-the-clock monitoring of your endpoints through a partner security operations center, added to Security Watch: $12 per endpoint per month.

Annual penetration test by request

Available to clients by request: $5,500, or $4,500 for Security Watch clients. Every test is scoped in writing and starts only after you sign a rules-of-engagement and authorization letter.

The assessment, in detail

What you get, and when.

  • Kickoff within 5 business days of signature and deposit
  • Report within 10 business days of receiving access and documents
  • Readiness score and gap report
  • Evidence pack: screenshots and configuration exports mapped to your questionnaire
  • Questionnaire answers drafted with you. You review and sign.
  • 30/60/90-day remediation roadmap with fixed prices
  • 60-minute readout
What it is not

Honest scope, in writing.

  • Not a penetration test. No exploitation, password cracking, social engineering or denial-of-service.
  • No scanning without your signed authorization for each asset listed.
  • We never sign or attest to your insurance application. You stay the attesting party.
  • No promise of a premium, a policy or a claim outcome. Nobody honest can make one.
  • No legal advice and no compliance certification.
Why us

One accountable expert, backed by modern tooling.

Veteran-owned

Owned and run by a service-disabled U.S. Navy veteran. You work directly with the owner, from scoping to readout.

Enterprise SecOps experience

The founder holds a cybersecurity degree and leads an enterprise security operations program.

AI-assisted, human-approved

AI tools speed up evidence gathering and reporting, so you pay for judgment, not busywork. A person reviews every finding and approves every action.

Honest about limits

We prepare the evidence. You sign your application. Scope and exclusions are always in writing.

FAQ

Questions owners ask.

Do you fill out and sign our insurance application?

We prepare the answers with you and gather the evidence behind each one. You review and sign. The business is always the attesting party.

Can you guarantee we will get coverage or a lower premium?

No. Nobody honest can. What we can do is make your answers accurate, close the common gaps, and give your broker proof to work with.

We already have an IT company. Do we have to switch?

No. We work alongside your current provider, and many assessments end with your IT company doing some of the fixes. If you want us to run IT too, we can.

Is the assessment a penetration test?

No. It includes a non-intrusive scan of your internet-facing systems, done only with your written permission, plus a review of settings and evidence. A penetration test is a separate, scoped service.

Does the FTC Safeguards Rule apply to us?

It covers many non-bank financial businesses, including auto dealers that arrange financing, mortgage brokers and tax preparers. Firms with customer information on fewer than 5,000 consumers are exempt from some parts (the written risk assessment, the pentest schedule, the written incident plan and the annual report) but not the rest. Ask your attorney to confirm. We will map whichever parts apply.

How big a business do you work with?

The packages are built for businesses with 5 to 75 users. Prices cover up to 25 users, with 26 to 75 user pricing shown. Larger environments get a fixed quote after the free check.

Do you work outside Tampa Bay?

Yes. The work is done remotely nationwide. On-site visits are included in Tampa Bay.

How do payments work?

Fixed-price projects are 50% to start and 50% at delivery. Security Watch is billed monthly in advance. We accept ACH and credit card.

What happens to our data?

We sign a mutual NDA before any work, store evidence encrypted, and return or destroy it on request when the engagement ends.

Next step

Find out where you stand before your carrier does.

Book the free 15-minute readiness check. Your score and top 3 gaps arrive by the next business day.