Cyber Insurance Requirements Guide

What cyber insurance carriers require in 2024 — and how to meet those requirements without breaking the bank.

Cyber insurance applications have become technical exams. Carriers now require specific security controls — MFA, EDR, backups, email security — and they deny claims when these controls aren’t properly implemented. Understanding and meeting these requirements is essential.

TVG Consulting helps businesses implement the security controls carriers require — so your policy actually pays when you need it.

Why Businesses Trust TVG

20+
Years in Business
90+
5-Star Reviews
Top 250
MSP Nationwide
24/7
Emergency Support
FBI
InfraGard Member

What We Deliver

Application Support

Help completing technical portions of cyber insurance applications accurately.

MFA Implementation

Deploy multi-factor authentication — the #1 requirement carriers check.

EDR Deployment

Endpoint detection and response — required by most carriers for coverage.

Backup Verification

Immutable, tested backups with offline copies — critical for ransomware coverage.

Email Security

Advanced email filtering, DMARC, and phishing protection carriers demand.

Ongoing Compliance

Maintain carrier requirements throughout the policy year — not just at application time.

Why businesses move to managed IT

Two offices, both local to the clients they serve. Los Angeles–area support runs from our Burbank office at 217 West Alameda Ave #102, and Middle Tennessee support runs from our Franklin office at 625 Bakers Bridge Ave Ste 105 — so an on-site visit is a drive across town, not a flight.

FBI InfraGard member. TVG participates in InfraGard, the FBI’s information-sharing partnership between the Bureau and private-sector organizations that operate critical infrastructure. It is a partnership for threat intelligence, not an endorsement or a certification.

Managed IT and a vCIO in the same engagement. Proactive monitoring, patching, help desk and layered security for a predictable monthly fee — plus budgeting, lifecycle planning and a technology roadmap, so somebody is thinking about next year while someone else is fixing today.

Managed IT plans starting at $90 per user per month for full support, and urgent issues get immediate engagement.

What the current data says — 2026

Figure What it measures Source
$4.99M Global average cost of a data breach — a record high, up 12% year over year IBM, Cost of a Data Breach Report 2026; research conducted independently by the Ponemon Institute. ibm.com/reports/data-breach
48% Share of all breaches that now involve ransomware, even as ransom payouts shrink Verizon Business, 2026 Data Breach Investigations Report. verizon.com/business/resources/reports/dbir
31% Share of breaches that start with a software vulnerability — now ahead of stolen passwords as the leading way in Verizon Business, 2026 Data Breach Investigations Report. verizon.com/business/resources/reports/dbir

Two of those three are what a managed IT plan is built to address directly: tested backup and recovery for the ransomware case, and disciplined patch management for the vulnerability case.

★★★★★

“I have been a client of TVG for 13+ years. All of their team members show care and concern when dealing with any IT issues we have and they work diligently to resolve my issues with expediency and always to my satisfaction.”

Melanie S.

CEO, Commercial Real Estate — Huntington Beach, CA

★★★★★

“Mark was even available on a Saturday for consultation, and George physically came into the office that same Saturday to repair the issue. These guys are great and I can’t recommend them enough!”

Kristian N.

Verified Google Review

Serving Los Angeles & Nashville & Surrounding Areas

TVG Consulting provides on-site and remote IT support across Burbank, Glendale, Pasadena, Downtown LA, Santa Monica, Nashville, Franklin, Murfreesboro. Our local presence means faster response times and technicians who understand your area’s business landscape.

Types of Engagements We Handle

Ransomware Attack

Locked out of your systems? We contain the spread, preserve evidence, and restore from clean backups — without paying the ransom.

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Email Fraud & BEC

Wire fraud, spoofed invoices, compromised mailboxes. We trace the breach, lock down accounts, and recover what we can.

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Insider Threat

Suspect an employee is stealing data or sabotaging systems? We investigate quietly, preserve evidence, and lock down access.

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Cyber Posture Review

Not sure if your current IT team has everything locked down? We audit your environment and give you an honest assessment.

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Active Breach

Systems acting strange? Unusual network traffic? If something feels wrong, call us. We respond within 15 minutes — 24/7/365.

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Letting Go of IT Staff

Terminating an IT employee who has admin access? We lock down credentials, audit access, and ensure a clean transition.

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Get a Free Consultation

Tell us about your situation — we respond within 1 business hour.





Frequently Asked Questions

What security controls do cyber insurance carriers require?+
Most carriers now require: MFA on all remote access and email, EDR on all endpoints, immutable backups, email filtering, vulnerability management, security awareness training, and an incident response plan.
What happens if we don’t meet the requirements?+
Your application may be denied, premiums will be significantly higher, or claims may be denied if the carrier discovers you misrepresented your security posture on the application.
Can you help with our insurance application?+
Yes. We help complete the technical portions accurately, implement any missing controls, and provide documentation that supports your application.
How do we avoid claim denial?+
Ensure your actual security posture matches what you represented on your application. Maintain all required controls throughout the policy year — not just at application time.
Should we increase our coverage limits?+
Most small businesses are underinsured. The average breach costs $4.88M, but many policies only cover $1M. We help you evaluate appropriate coverage levels.
Does implementing these controls reduce our premiums?+
Yes. Demonstrating strong security controls — especially MFA, EDR, and tested backups — typically reduces premiums by 15-30%.

Ready to Protect Your Business?

Talk to a TVG engineer today — no sales pitch, just honest answers.