Cyber insurance readiness assessment

How the assessment works

This cyber insurance readiness assessment walks through the security controls that underwriters check before they will cover or renew a business. You answer ten plain-language questions about how your company protects its email, devices, data, and bank account. The tool scores your answers in your own browser and returns a readiness score, a letter grade, a banded result, and a list of the specific gaps that could delay or deny your coverage. You do not need an IT background to use it, and there is no login or sales call required. It works as a fast cyber insurance assessment you run yourself, a plain-language preview of the formal cyber insurance risk assessment an underwriter or auditor performs before they price your policy.

What insurers look for

Insurers look for proof that a business has the controls that prevent the claims they pay out most often. Four of them carry the most weight, so the tool treats them as non negotiable. Multi factor authentication protects accounts when a password is stolen. Endpoint detection and response watches every computer for ransomware. Tested, tamper proof backups let you recover without paying a ransom. Email authentication stops attackers from impersonating your domain. The remaining questions cover patching, staff training, an incident response plan, limited access, encryption, and a verification step for wire transfers, all of which appear on modern application questionnaires.

What your score means

Your score places you in one of three bands. A result of likely to qualify means the core controls are in place and your application should hold up. A result of gaps to close means you have a solid base, with specific items that underwriters tend to flag. A result of high risk of denial means controls that insurers treat as mandatory are missing, which often leads to a decline or a steep quote. Missing any one of the four non negotiable controls keeps a business out of the top band, because that is how underwriters score it too.

What to do about your gaps

Each gap in your results names the control and explains why insurers expect it. Work through the critical items first, since those are the ones most likely to cause a denial. Wolferdawg IT Consulting deploys and manages every control on this list for businesses across Southwest Oklahoma, backed by 21 years of defense IT experience. Run the assessment, then book a call and we will close the gaps before your renewal.

The questions are written for business owners and office managers, not for IT staff. If you do not know an answer, pick the no or not sure option. Not knowing is itself a finding worth surfacing, and the tool counts it as a gap.

Core controls insurers require

The four safeguards underwriters now treat as non negotiable.

Operational safeguards

The everyday practices that keep your defenses current.

Data and financial protection

Protecting your information and your bank account.

See my readiness score Start over

Please answer every question before continuing. Use the no or not sure option if you are unsure.

This tool is an educational self assessment, not an insurance quote, a binding underwriting decision, or legal advice. Insurers make their own determinations based on your full application, your industry, and your claims history. The questions cover the controls underwriters check most often rather than every item on a given carrier's questionnaire. For help closing the gaps it surfaces, work with a qualified IT provider.