Will your cyber policy renew on the same terms?

Answer the security questions underwriters ask. See which answers could get you declined or surcharged, what that could add to your premium, and which fixes you can finish before the application is due.

MFA
EDR & MDR
Immutable backups
Email security
IR plan
Privileged access
5 minutes

Check my renewal How MALA helps

Step 1 · Your policy and controls

Answer like the underwriter will read it

Start from the example closest to you, then change any answer. Controls marked Gatekeeper are the ones carriers most often treat as a condition of coverage.

Manufacturer Healthcare group Credit union

Example

Your policy

Policy renewal date Most carriers want the renewal application 60 days ahead, so that is the real deadline.

Current annual cyber premium

Coverage limit

Claims or reportable incidents in the last 3 years

None One Two or more

Premium increase at risk this renewal

Gatekeeper gaps

of 6 conditions

Application due

—

60 days before renewal

Fixes in time

of 0 open gaps

—

How the underwriter reads your answers

Fix plan against your renewal

Fix these first

What underwriters look for

Most carriers now send a ransomware supplement with the renewal. It asks about MFA, EDR, backups and privileged access in detail.
A "No" on a condition of coverage can mean a decline, a ransomware sublimit or an exclusion, not just a higher price.
An answer that proves untrue after a claim can put the whole claim at risk. Answer what is true today, and attach a dated plan for the rest.

Get my application prep kit Walk through it with an advisor

Directional estimate, not an insurance quote or underwriting decision. Carriers weigh controls differently. Premium effects use ranges MALA sees at mid-market renewals. Confirm terms with your broker.

How the results are calculated

Gatekeeper controls MFA on remote access, MFA on email, MFA on admin and backup accounts, EDR everywhere, immutable or offline backups, and a tested incident response plan

Underwriter reading Gatekeeper No or Not sure = likely decline or exclusion · Gatekeeper Partly = likely sublimit or surcharge · Other No or Not sure = premium loading · Partly = question from underwriter

Premium pressure +12% per gatekeeper gap, +6% per partial one, +4% per other gap, +2% per other partial, +10% per claim (max 2). If every gatekeeper is met and 7 of 8 others are Yes, −5%. Capped at +75%. Range shown is 70% to 130% of that figure.

Fixes in time Typical weeks to close each gap, started today and run two at a time, compared with your application date (renewal minus 60 days)

Step 2 · Your application prep kit

Walk into renewal with answers, evidence and a dated plan

Unlock how to answer each application question, the evidence to attach, a remediation plan with dates to hand the underwriter, and coverage questions for your broker.

Answers and evidence

How to answer each question and what proof to attach.

Dated remediation plan

A plan the underwriter can accept for gaps still in progress.

Broker questions

Sublimits, waiting periods and exclusions to check before you sign.

Will your cyber policy renew on the same terms?

Answer like the underwriter will read it

Your policy

Walk into renewal with answers, evidence and a dated plan

Close the gaps before the application is due.