Experiencing a cyber incident, whether it’s a ransomware attack, business email compromise, or data breach, can feel like stepping onto the field with no game plan as the clock winds down. It’s disorienting and high-pressure, especially without a well-prepared response strategy or cyber insurance in place.

If your insured has a cyber policy, the first step should always be to notify the insurance carrier immediately. Delays can complicate the claims process. Most insurers offer access to pre-approved breach response teams, including digital forensic investigators, privacy counsel (breach coaches), PR firms and notification vendors. A fast, coordinated response is critical to minimize damage. Be sure to preserve all digital evidence and maintain clear documentation throughout the process.

What If They Didn’t Have Cyber Insurance or Only Had Limited Coverage?

If your client didn’t carry standalone cyber coverage or only had a low sublimit bundled into their package policy, you might be wondering if they can still get coverage after a claim. The good news is that in most cases, yes. However, underwriters will want more information to assess the risk. Here’s what they’ll want to know:

• Remediation Measures
  Have they addressed the root cause? This includes patching exploited vulnerabilities, enabling multi-factor authentication (MFA) or decommissioning legacy systems. Underwriters will expect evidence of these improvements.

• Post-Incident Security Enhancements
  Implementing endpoint detection and response (EDR), tightening backup protocols, securing email infrastructure (e.g., DMARC, SPF) and conducting employee phishing simulations all indicate a strengthened security posture.

• Transparency
  Be upfront about the prior claim during underwriting. Non-disclosure can lead to claim denials or policy rescission. Many insurers are willing to offer terms if they see the incident was handled responsibly and corrective actions were taken.

A Changing Market with More Tools

The cyber insurance market is constantly evolving. Many insurers now provide access to value-added services like discounted managed detection & response (MDR) or extended detection & response (XDR) solutions, helping insureds proactively improve their risk profile.

Post-Claim Cyber Insurance Tips

• Conduct and share a comprehensive risk assessment.
• Invest in cybersecurity improvements such as staffing, tools, vendors etc.
• Partner with a knowledgeable broker who can advocate effectively on your behalf.

Arlington/Roe’s Professional Liability Team is Here to Help

Whether your client has had a claim or is looking for proactive protection, we can help you place tailored cyber coverage that fits their unique risk profile.