In 2025, cyber insurance isn’t just a smart move—it’s often a requirement. As cyberattacks continue to grow more frequent and sophisticated, insurers are tightening their standards. For small and mid-sized businesses (SMBs), this means the old days of just having a policy are over. If your cybersecurity posture doesn’t meet updated underwriting criteria, you may face sky-high premiums—or worse, get denied coverage altogether.

Here’s how to stay ahead of the curve and make sure your business is ready for the evolving cyber insurance landscape in 2025.

1. Understand What’s Changed in 2025

In the past, insurers were more forgiving. Today? They want proof that you’re doing your part. Here’s what underwriters are focusing on now:

  • Endpoint Detection & Response (EDR) – Antivirus isn’t enough anymore. They want next-gen EDR tools that monitor, detect, and respond to threats in real time.

  • Multi-Factor Authentication (MFA) – Especially for email, remote access, and admin accounts.

  • Offsite & Immutable Backups – If your backups can be encrypted by ransomware, they don’t count.

  • Employee Security Awareness Training – Human error is still the #1 way breaches happen.

  • Incident Response Plan – They’ll ask if you have a plan and who’s responsible.

2. Conduct a Cyber Insurance Readiness Audit

Before applying for or renewing a policy, we recommend doing a full audit of your current cybersecurity posture. This means reviewing:

  • Password policies

  • Network segmentation

  • Remote work setups

  • Backup integrity

  • System patching frequency

  • Administrative access levels

3. Fix Your Gaps—Before the Insurance Company Finds Them

Let’s be blunt: if you don’t have an EDR solution in place, or your MFA isn’t enforced organization-wide, there’s a good chance your policy will get flagged or denied. That’s where working with a Managed IT services partner gives you an edge.

We help our clients proactively address these gaps so that by the time the insurance paperwork hits your desk, you’re already compliant.

4. Be Ready to Prove It

Insurers aren’t just taking your word for it anymore. They’re asking for screenshots, reports, and documentation that shows your protections are in place. A good IT partner will make this painless—handing you the paperwork you need to sail through the underwriting process.

5. Better Security = Lower Premiums

Yes, building a strong security posture takes investment—but it often pays off in lower premiums. And if you ever do need to file a claim, it makes your case that much stronger.

Cyber insurance in 2025 isn’t about fear—it’s about preparation. At Miken Technologies, we help businesses of all sizes meet the growing demands of insurers while also making your business stronger and more resilient.

If you’re not sure where you stand—or want help getting ready for your renewal—reach out to us for a quick consultation. We’ll review your setup and help you get everything in place.