Page 48 - Cyber Defense eMagazine September 2025

Cyber Insurance: 7 Hard Lessons You Need to Prepare For

By Paul Barbosa, General Manager, Global Cloud Security Business Unit, Check Point

Cyber insurance has matured fast. Insurers scrutinize infrastructure more aggressively, and claims are
more complex to process. Most importantly, what was once accepted as the "industry standard" is no
longer sufficient.

Your claim will stall if your environment cannot produce the telemetry necessary to reconstruct how an
attacker gained access, what they accessed, and how you responded in real-time. Worse, it'll be denied.
What matters now is not what tools you say you have in place but whether your system can show
evidence of runtime enforcement, detection, and control validation. Here's what that looks like in practice.

1. Your Real Exposure is Being Scanned Without Your Consent

Before you even talk to a broker, the likelihood is that your internet-facing infrastructure is already being
analyzed. Underwriters buy data from scanning platforms that identify open ports, expired certificates,
known vulnerabilities, and leaked credentials associated with your organization. You might declare multi-
factor authentication (MFA) or endpoint detection and response (EDR) in your policy form, but if the
external footprint suggests unmanaged services, the risk profile changes.

Cyber Defense eMagazine – September 2025 Edition 48
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