Cyber-insurance renewals now include detailed questions about backups. Weak answers can mean higher premiums, exclusions or declined cover.
Typical questions
- Are backups immutable or offline?
- Are backup systems protected with MFA and segregated credentials?
- How often do you test restores, and can you show evidence?
- Do you have an incident response and recovery plan?
- How quickly could you restore critical systems?
How to prepare
- Gather evidence: configuration screenshots, test reports, policies.
- Close quick wins such as MFA on backup consoles before renewal.
- Prepare a short, factual summary of your recovery capability.
Why it matters: independent, evidence-based answers carry more weight than self-assessed checkboxes.
Evidence worth preparing
- Screenshots or exports showing immutability and retention settings
- MFA configuration for backup consoles and storage
- Recent recovery-test reports with dates and timings
- An incident response plan with named roles
- A summary of backup coverage for critical systems
Keeping this pack up to date throughout the year — not just at renewal — also helps with audits, board reporting and customer security questionnaires.
Key takeaways
- Insurers expect immutability, MFA and tested recovery.
- Evidence beats assertions.
- Fix quick wins before your renewal date.
Renewal coming up?
A Rapid Readiness Review gives you an insurer-ready summary of your recovery posture.
