Cyber insurance readiness for small business
Be prepared for your cyber insurance application.
Carriers now require MFA, EDR, tested backups, written security policies, and a tested incident response plan, and they make you sign for it. Surable shows you exactly where you stand, what to fix first, and hands you the documents that close the gaps.
5 minutes · 16 quick questions · score shown instantly, no email required
Rather see the questions first? Every question an application asks, with the fix for each.
Readiness scorecard
SampleGaps to close
4 gaps stand between this business and a clean application.
Top fix: Enforce MFA on all email accounts. Free, an afternoon of work, and the #1 declination trigger removed.
Why this got hard
Underwriting turned into a security audit
A cyber application in 2026 reads like a compliance questionnaire, and a wrong answer on the attestationcan void a claim months after you signed it. Today's competitive market rewards businesses that can prove their controls with better terms, and declines the ones that can't.
76%
of companies had to invest in their security just to qualify for cyber coverage at all. The application is the audit now.
Sophos Cyber Insurance & Defenses Survey, 2024
96%
of ransomware victims are small organizations. Attackers went downmarket; carriers followed.
Verizon DBIR 2026
58%
of cyber claims are business email compromise and funds-transfer fraud. The controls that prevent it cost almost nothing.
Coalition Cyber Claims Report 2026
How Surable works
Assess. Fix. Apply with confidence.
One connected path from “where do we stand?” to the documents underwriters expect to see.
Take the free Readiness Check
Sixteen quick questions: fourteen scored across the ten control domains carriers actually probe, two about your business. Instant score, your top three gaps, and the full written report by email.
Start the free check →Close the gaps with the Readiness Pack
The written policies, incident response plan, and training kit applications ask for, each mapped to the application questions it answers, reviewed by a security practitioner.
See what's inside →Present yourself to underwriters properly
The application-mapping guide and attestation checklist show which document proves which answer, so you sign with evidence behind every “yes.”
Compare options →Why not free templates or ChatGPT?
Because the application is the exam, and generic documents don't match the questions
Free template packs and AI-generated policies aren't mapped to what carriers ask, aren't verified against current sources, and carry no expert accountability.
- Every document cross-referenced to the questions on common carrier applications
- Knowledge base built from NIST, CISA and carrier sources, each one carrying its verification date (read the whole registry)
- Reviewed by a security practitioner with 20 years in IT and information security
- Built for attestations: a pre-signature checklist so every “yes” has evidence
Judge that yourself rather than taking our word for it. Two documents are readable before you buy: the guide that pairs each application question with its evidence and the opening of the Password & MFA Policy, both exactly as they ship.
The honesty rule
We never coach misrepresentation.
If a control isn't in place, Surable shows you the fastest path to make the answer honestly “yes,” or how to disclose accurately with compensating controls. An inaccurate attestation is exactly what gets claims denied, so the honest path is also the one that protects your coverage.
Claim-safe for you. Non-negotiable for us.
Built by a practitioner, not a template shop
“After 20 years in it and information security, I've watched small businesses get burned by paperwork they didn't know they needed. Surable is the kit I wish I could have handed every one of them.”
The practitioner behind Surable
About Surable →By industry
Same ten control areas. Different questions get read twice.
What changes by trade is which answers an underwriter lingers on, and what regulation already sits on top of your business before any insurer asks.
For MSPs & IT providers
Your clients are asking you for exactly this.
White-label the whole system (readiness checks, policy packs, the application mapping) under your brand, unlimited clients, one flat annual license.
For insurance agents & brokers
Send it with the supplemental and get the form back.
A free pre-check link tagged to your agency, plus a one-page handout of what carriers ask. No fee, no commission split, and we don't sell insurance.
FAQ
Questions, answered directly
What do cyber insurance applications require in 2026?+
Most carriers now require enforced multi-factor authentication (MFA) on email, remote access, and admin accounts; endpoint detection and response (EDR); tested, offline-capable backups; a written and tested incident response plan; documented security awareness training; and written security policies. Applications end with an attestation: a signed statement that your answers are accurate.
Will Surable guarantee my application is approved?+
No, and be wary of anyone who promises that. Approval decisions belong to carriers and underwriters. What Surable does is make sure the controls carriers require are in place, documented, and presented accurately, which is what materially improves outcomes.
Is this legal or insurance advice?+
No. Surable provides general information and document templates built from authoritative sources (NIST, CISA, CIS, carrier applications, and claims data). It is not legal, insurance, or professional advice, and it doesn't replace your broker or attorney.
How is this different from free policy templates?+
Free templates give you generic documents. Surable gives you the outcome: documents customized to how carriers actually ask the questions, an application-mapping guide connecting each document to each question, an attestation checklist, and a security practitioner's review, refreshed as requirements change.
How long does the free Readiness Check take?+
About five minutes: two questions about your business and fourteen about your controls. You see your score and top three gaps immediately, with no email required. The full written report with every gap and fix is delivered by email if you want it.
What if I answer the check dishonestly to get a better score?+
You'd only be grading your own homework wrong. The score exists to find gaps before an underwriter (or an attacker) does. Surable never coaches misrepresentation, on the check or on your application: inaccurate attestations are precisely what gets claims denied.
Find out where you stand before your carrier does.
Five minutes. Instant score. The exact gaps an underwriter would flag, prioritized by what moves the needle fastest.