Cyber Insurance Is Starting to Ask Harder Questions Before It Pays Out
For years, buying cyber insurance felt a lot like buying any other policy: fill out a form, pay a premium, and if something goes wrong, file a claim. That transactional relationship is quietly breaking down. Insurers are no longer content to simply absorb the financial fallout of a breach — many now want proof that a company can actually stop, catch, or contain an attack before they agree to cover it. The shift matters because it changes what a cyber insurance policy actually is: not just a financial backstop, but an increasingly active participant in how companies defend themselves.