Is Your Business Actually Covered? Most Cyber Insurance Claims Are Denied for This.
Get the 2026 Cyber Insurance Readiness Checklist - the exact controls underwriters look for before binding or renewing coverage.
Here's What Underwriters Are Actually Checking
6 sections. 30+ controls. The ones marked with a star are where most denials happen.
Identity & Access
Endpoint Security
Email, BEC & Phishing
Backup & Ransomware Resilience
Network & Cloud Security
Governance, Claims Process & Policy Traps
Why This Matters
Claim denial rates are climbing. Insurers are tightening requirements and enforcing them. These are real cases where businesses lost coverage over preventable gaps.
$18.3M claim denied
Hamilton, Ontario
MFA wasn't enabled across the organization. The insurer denied the entire claim based on a single missing control that was promised on the application.
Full claim denied - 72-hour window missed
Undisclosed
A company spent 2 weeks investigating a breach before notifying their insurer. The breach itself would have been covered. The late reporting voided the entire claim.
Ransomware encrypted production AND backups
Undisclosed
Backups stored in the same cloud account as production were encrypted alongside everything else. The insurer denied the claim for misrepresentation of backup isolation.
About DoubleChecked
DoubleChecked is a fractional CTO and cybersecurity advisory firm serving SMBs, mid-market companies, and the MSP/MSSP channel. We help business owners understand their real risk posture, close the gaps that lead to claim denials, and build technology programs that hold up under scrutiny. Security-first. No fluff.
Book a Free Security Gap Assessment