Capital Efficiency & Financial Risk
Stop Blaming “Market Conditions” For Your Cyber Premium.
Your cyber insurance premiums went up again at renewal. Management told you it was “market conditions.” It wasn’t. It was specific technical gaps that your insurer flagged and your IT team didn’t fix. We find them, fix them, and get you a better number at your next renewal.
The Attribution Gap
You believe you are covered because the tools are “turned on.” Insurers know better. They are inflating your premium right now based on these four specific liabilities.
Trigger 01
The MFA Fallacy
Insurers no longer give credit for simply “having MFA.” If you have one legacy VPN or helpdesk portal without it enforced, they re-rate your entire risk profile to “Substandard.” We audit coverage uniformity so you aren’t penalized for single-point failures.
Trigger 02
The Stale Data Liability
Insurers use volume-based pricing for data breach endorsements. If you are holding 500,000 legacy customer records that have zero business value, you are paying a massive risk premium to insure useless data. We identify data rot so you can delete it and shrink your Total Insurable Value.
Trigger 03
The Recovery Trap (BI Loading)
Your backups may be “successful,” but if it takes your IT team three weeks to restore them, the insurer applies a massive Business Interruption loading. We audit your Restoration Velocity, proving to underwriters that you can recover fast enough to avoid catastrophic loss.
Trigger 04
The EDR “Shelfware” Penalty
Underwriters know about “Silent EDR.” If your expensive endpoint software is in log-only mode or isn’t being actively monitored, insurers treat it as non-existent. We optimize the configuration so you get the premium discount for tools you already paid for.
How We Force the Premium Down
The Defensibility Audit
3 Days
We deploy on-site to conduct a targeted, 3-day assessment specifically focused on the four premium triggers. We map MFA gaps, quantify stale PII records, and test your actual restoration velocity.
The outcome is a broker-ready “Insurance Defensibility Report” you can hand directly to your insurance broker to prove your exact risk exposure before they go to market.
Posture Remediation
We don’t just find the problems; we manage the fix. We oversee the purge of stale data to shrink your total insurable value, enforce uniform MFA across blind spots, and optimize your EDR configuration. We document every control implemented so underwriters have zero grounds to inflate the premium.
Broker Negotiation
We arm you (and your broker) with before-and-after risk posture documentation and quantified premium reduction projections. We provide the specific, technical evidence required to force the underwriter to lower the number.
Led by Dean Kastelic
Former Enterprise CISO & Director of Cyber Defence, KPMG
Underwriters and insurance brokers do not respect generic IT reports. They respect verifiable controls signed off by recognized industry authorities.
As a former Enterprise CISO and KPMG Director, Dean Kastelic provides the executive-level attestation your insurance broker needs to take to the market. You get Big 4 credibility without the Big 4 bloat.
The 4 Hidden Triggers Inflating Your Premium
Read the exact playbook insurers use to price mid-market cyber risk. Score yourself on each trigger—if you fail two or more, your premium is likely 30–50% higher than it needs to be.
Is your renewal less than 90 days away?
Do not submit your insurer’s technical questionnaire blindly. Let us review your controls first to ensure you aren’t admitting to gaps that will cause an automatic premium spike.