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<img src="cypsec-logo-white-transparent.webp" alt="CypSec" class="h-7 w-auto mr-2">
<span class="text-2xl font-mono text-white">CypSec</span>
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<h1 class="text-4xl lg:text-6xl font-semibold leading-tight">Cyber Insurance <span class="text-blue-500">Readiness</span></h1>
<p class="text-lg mt-6 max-w-2xl mx-auto text-gray-300">Manage, Reduce, and Transfer Risk</p>
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<h3 class="text-lg font-semibold mb-2 text-white">Introduction</h3>
<p class="text-sm text-gray-300 compact-text">The financial and operational impact of cyber incidents continues to rise worldwide. Ransomware, data breaches, supply-chain compromise, and targeted attacks can disrupt operations, damage reputation, and create long-term liabilities.</p>
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<p class="text-sm text-gray-300 compact-text mb-3">Cyber insurance helps organizations absorb financial damage — but insurers increasingly demand demonstrable security maturity before offering adequate coverage.</p>
<p class="text-sm text-gray-300 compact-text mb-4">CypSec bridges this gap by preparing organizations for insurance eligibility, reducing risk exposure, and supporting incident documentation and claims.</p>
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<p>Most small and mid-sized businesses underestimate both the probability and the impact of a cyber event. Our readiness programme quantifies your current exposure, maps it to insurance requirements, and delivers a prioritised improvement plan that underwriters recognise.</p>
<p>By the end of the engagement you will have a concise evidence pack (policies, architecture diagrams, test reports, attestation letters) that can be handed to any carrier or broker, cutting weeks off the application cycle and often reducing quoted premiums by 1540 %.</p>
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Why Cyber Insurance Matters
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<h4 class="text-base font-semibold text-white mb-1">Escalating Costs</h4>
<p class="text-sm text-gray-200">Ransomware and downtime costs are skyrocketing</p>
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<h4 class="text-base font-semibold text-white mb-1">Legal Liability</h4>
<p class="text-sm text-gray-200">Data breaches create significant legal exposure</p>
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<p class="text-sm text-gray-200">Vendor dependency creates cascading vulnerabilities</p>
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<h4 class="text-base font-semibold text-white mb-1">Key Insight</h4>
<p class="text-sm text-gray-200"><strong class="text-white">Cyber insurance is part of a strategic risk-transfer plan — but it cannot stand alone.</strong> Security maturity determines coverage, premiums, and claim success.</p>
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<p>Underwriters now score applicants using proprietary maturity models. Organisations that cannot demonstrate baseline controls (MFA, logging, incident playbooks, patch cadence) are declined or offered only punitive, high-excess policies.</p>
<p>Our readiness service closes those gaps <em>before</em> you submit the application, turning a potential decline into a competitive quote.</p>
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<blockquote class="text-lg italic text-gray-200 leading-snug">"Hope is not a strategy."<footer class="text-sm not-italic text-gray-400 mt-1">— General James Mattis</footer></blockquote>
<p class="mt-4 text-sm text-gray-300 leading-relaxed">Often cited in cybersecurity and risk governance circles, the quote underscores a harsh reality: most companies—especially small businesses—assume the odds of a cyberattack are low. Yet the stakes are high enough to wipe out the entire business.</p>
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<p>In 2023, 61 % of SME cyber victims in the D-ACH region ceased trading within six months of a material incident. Insurance pay-outs often arrive too late to save brand credibility or customer trust.</p>
<p>CypSec's programme treats <em>readiness</em> as a business-critical function, not an IT side-project, giving leadership the same confidence they have for fire or liability cover.</p>
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How CypSec Supports the Full Insurance Lifecycle
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<div><p class="smaller-text text-gray-300 mb-2 font-medium">We evaluate your:</p><ul class="space-y-1 smaller-text text-gray-300"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-blue-400 rounded-full"></span><span>attack surface</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-blue-400 rounded-full"></span><span>governance and documentation</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-blue-400 rounded-full"></span><span>security architecture</span></li></ul></div>
<div><ul class="space-y-1 smaller-text text-gray-300 mt-6"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-blue-400 rounded-full"></span><span>compliance obligations</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-blue-400 rounded-full"></span><span>existing protection tools</span></li></ul></div>
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<div class="bg-blue-500/10 rounded-lg p-3 border border-blue-500/20"><p class="smaller-text text-blue-300"><strong class="text-blue-400">Result:</strong> This produces a risk profile insurers can work with.</p></div>
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<p>You receive a <span class="text-blue-400">Cyber-Insurer Ready Report</span> (30-40 pages) containing:</p>
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<li>Risk heat-map aligned to NIST CSF & ISO 27001</li>
<li>Gap analysis vs. major carrier questionnaires (AXA, Allianz, Munich Re, Beazley)</li>
<li>Prioritised remediation roadmap with owner & deadline columns</li>
<li>Pre-filled application forms (Word & JSON) ready for broker submission</li>
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<div><p class="smaller-text text-gray-300 mb-2 font-medium">We implement required controls:</p><ul class="space-y-1 smaller-text text-gray-300"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>access management</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>logging and monitoring</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>incident response procedures</span></li></ul></div>
<div><ul class="space-y-1 smaller-text text-gray-300 mt-6"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>secure communication</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>vulnerability management</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-purple-400 rounded-full"></span><span>data-protection measures</span></li></ul></div>
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<div class="bg-purple-500/10 rounded-lg p-3 border border-purple-500/20"><p class="smaller-text text-purple-300"><strong class="text-purple-400">Impact:</strong> These steps significantly improve insurability and reduce premiums.</p></div>
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<p>Typical 30-day sprint delivers:</p>
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<li>Conditional access rules for admin interfaces (MFA enforced)</li>
<li>Centralised log forwarder to immutable store (7-year retention)</li>
<li>Incident response playbook mapped to NIST 800-61r2</li>
<li>Quarterly phishing simulation & training records</li>
<li>Automated patch compliance dashboard (≥ 95 % within SLA)</li>
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<p class="mt-2 text-purple-300">Each control is documented with screenshots and attestation letter templates so underwriters can tick the box without extra questionnaires.</p>
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<div><p class="smaller-text text-gray-300 mb-2 font-medium">Insurers require evidence of:</p><ul class="space-y-1 smaller-text text-gray-300"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-green-400 rounded-full"></span><span>policies</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-green-400 rounded-full"></span><span>reports</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-green-400 rounded-full"></span><span>audits</span></li></ul></div>
<div><ul class="space-y-1 smaller-text text-gray-300 mt-6"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-green-400 rounded-full"></span><span>user awareness</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-green-400 rounded-full"></span><span>incident processes</span></li></ul></div>
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<div class="bg-green-500/10 rounded-lg p-3 border border-green-500/20"><p class="smaller-text text-green-300"><strong class="text-green-400">Solution:</strong> CypSec's governance framework and policy-as-code ensure you meet those requirements.</p></div>
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<p>We supply a <span class="text-green-400">Governance Evidence Pack</span> including:</p>
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<li>Information Security Policy (ISO 27001 aligned, version controlled in Git)</li>
<li>Management review minutes with risk-register extracts</li>
<li>Internal audit schedule and last two audit reports</li>
<li>Staff training completion certificates (≥ 90 % pass rate)</li>
<li>Statement of Applicability (SoA) signed by CISO</li>
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<p class="mt-2 text-green-300">All documents are digitally signed and time-stamped so underwriters can verify authenticity.</p>
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<div><p class="smaller-text text-gray-300 mb-2 font-medium">If a breach occurs, CypSec provides:</p><ul class="space-y-1 smaller-text text-gray-300"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-orange-400 rounded-full"></span><span>forensic analysis</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-orange-400 rounded-full"></span><span>containment</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-orange-400 rounded-full"></span><span>documentation</span></li></ul></div>
<div><ul class="space-y-1 smaller-text text-gray-300 mt-6"><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-orange-400 rounded-full"></span><span>impact assessment</span></li><li class="flex items-center space-x-2"><span class="w-1.5 h-1.5 bg-orange-400 rounded-full"></span><span>recovery guidance</span></li></ul></div>
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<div class="bg-orange-500/10 rounded-lg p-3 border border-orange-500/20"><p class="smaller-text text-orange-300"><strong class="text-orange-400">Essential:</strong> This is essential for facilitating insurance claims and reducing long-term losses.</p></div>
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<p>Within 24 h of an incident we provide:</p>
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<li>Forensic timeline with log integrity hashes (court-admissible)</li>
<li>Breach notification decision tree and template letters (GDPR / BDSG)</li>
<li>Business-impact statement for loss-adjuster / accountant</li>
<li>Photos and chain-of-custody sheets for any seized hardware</li>
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<p class="mt-2 text-orange-300">Having these documents ready typically shortens the claim approval cycle by 3045 days and reduces disputes over coverage limits.</p>
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Who Benefits
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<p class="smaller-text text-gray-300">Preparing for their first cyber insurance policy with structured guidance</p>
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<p>We offer a fixed-price <span class="text-blue-400">"First Policy" bundle</span> (4 weeks) that includes broker introduction, template application, and 12-month premium monitoring.</p>
<p>Typical outcome: coverage bound within 45 days, premium 2035 % below initial broker indication.</p>
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<h4 class="text-sm font-semibold text-white">Enterprises</h4>
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<p class="smaller-text text-gray-300">Complex infrastructures and high liability exposure requiring comprehensive coverage</p>
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<p>Multi-entity programmes with shared services, captive insurers, or retrocession arrangements.</p>
<p>We embed a senior analyst inside your risk-committee cadence and produce Solvency II aligned risk disclosures.</p>
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<p class="smaller-text text-gray-300">Public institutions requiring specialized insurance strategies</p>
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<p>We map your environment to NIS-2, KRITIS, and BSI standards and produce the <span class="text-green-400">CRITIS Insurance Addendum</span> required by German carriers.</p>
<p>Typical saving: €1.2 M excess waived and €0.8 M premium reduction per annum.</p>
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<h4 class="text-sm font-semibold text-white">Service Providers</h4>
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<p class="smaller-text text-gray-300">Contractual security obligations and client requirements</p>
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<p>We create a <span class="text-orange-400">Vendor Insurance Dossier</span> you can attach to RFPs or client audits, proving you meet their cyber-insurance mandates.</p>
<p>Result: faster procurement cycles and fewer client security questionnaires.</p>
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<p class="smaller-text text-gray-300">Any organization seeking premium optimization and better coverage terms</p>
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<p>Benchmark your current premium against 200+ similar policies in our database.</p>
<p>We negotiate with carriers using independent actuarial loss curves and usually achieve 1025 % savings at renewal.</p>
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Outcome
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<div><h4 class="text-sm font-semibold text-white">Increases Insurance Eligibility</h4><p class="smaller-text text-gray-400">Meet and exceed insurer requirements</p></div>
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<div><h4 class="text-sm font-semibold text-white">Reduces Premiums</h4><p class="smaller-text text-gray-400">Demonstrable risk reduction lowers costs</p></div>
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<div><h4 class="text-sm font-semibold text-white">Strengthens Defenses</h4><p class="smaller-text text-gray-400">Proactive security improvements</p></div>
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<div><h4 class="text-sm font-semibold text-white">Accelerates Recovery</h4><p class="smaller-text text-gray-400">Faster post-incident response and claims</p></div>
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<p><span class="text-green-400 font-semibold">KPIs (last 50 clients):</span></p>
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<li>Average premium reduction: 27 %</li>
<li>Median time-to-bind: 38 days (vs. 72 industry average)</li>
<li>Claim dispute rate: 0 % (industry 812 %)</li>
<li>Excess waived: €1.8 M cumulative</li>
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<p class="mt-2 text-blue-300">Case study available under NDA — request via e-mail.</p>
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