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Is your business ready to apply for cyber insurance?

Insurance companies now ask a lot of security questions before they’ll cover you. Answer 12 quick questions to see how ready you are, and what to fix first.

  • 12 simple questions, about 3 minutes
  • A readiness score from 0 to 100
  • A to-do list, most important first
  • A checklist you can print for your agent and IT team

Free. No email needed.

Read this first

Cyber Insurance Readiness Check

For education only. This is not insurance or legal advice and it is not an insurance application. It can’t tell you whether an insurer will cover you or what you’ll pay. Every insurer sets its own rules.

Wizcom is a technology company, not an insurance agency. We don’t sell or recommend insurance. For coverage, talk to a licensed agent (you can check a Michigan license here), and always answer insurance applications honestly.

Start the Check ↓

New to cyber insurance? Read our plain-English guide.

Before you start

About your business

These two questions don’t change your score. They just add tips to your results.

Do you keep any of this information? (Pick all that apply)
Have you been hacked, hit by ransomware, or tricked into sending a payment in the last few years?
Part 1 of 4

Logging in

Most attacks start with a stolen password. A second login step stops many of them.

1. Does everyone need a second step, like a code or a tap on their phone, to log in to work email?

This is called multi-factor authentication, or MFA. Count shared mailboxes too.

2. When anyone logs in to your systems from outside the office, is that second step required?

Includes VPNs, remote desktop, and tools your IT or software vendors use to connect.

3. Do your admin accounts, the ones that can add users or change settings, also need the second step?

For example, your Microsoft 365 or Google admin login, your firewall, and your backup system.

Part 2 of 4

Computers and updates

Insurers want every computer protected and kept up to date.

4. Does every computer and server have modern security software that watches for attacks and alerts someone?

Often called EDR. Basic antivirus alone usually doesn't count. If you're not sure, choose "Not sure."

5. Do computers, software, and network equipment get security updates automatically or on a regular schedule?
6. Is everything still supported by its maker, with no old computers or software that no longer get security fixes?

For example, Windows 10 stopped getting regular security updates in October 2025.

Part 3 of 4

Backups

Good backups are the difference between a bad week and paying criminals.

7. Do you have a backup copy that hackers couldn't reach or delete, such as one kept offline or locked in the cloud?

A drive that stays plugged in, or a synced folder like OneDrive, usually doesn't count.

8. Have you actually restored files from your backup in the past year to prove it works?
Part 4 of 4

People, payments, and planning

Many losses start with a fake email and end with money sent to the wrong place.

9. Does your email system screen out scam and phishing emails before they reach people?
10. Does your team get cybersecurity training at least once a year, including practice phishing emails?
11. Before sending a wire or changing someone's bank details, do you call them at a phone number you already have?

Not a number from the email asking for the change.

12. Do you have a written plan for what to do if you're hacked, including who to call?

Even one page counts.

Wizcom Limited

Cyber Insurance Readiness Check, completed . wizcomltd.com/tools/cyber-insurance-readiness

0OUT OF 100

Your readiness band

Your to-do list, most important first

Tips for your business

    Before you talk to an agent

    • Collect proof. Screenshots and reports showing your second login step, security software, backups, and training make the application easier.
    • Answer honestly. If an answer on your application turns out to be wrong, the insurer may refuse to pay a claim.
    • Ask what’s not covered. Ask about limits for wire fraud and ransomware, waiting periods, and whether you must call the insurer before hiring help.
    Book a Free Strategy Session →

    For education only. This is not insurance or legal advice and it is not an insurance application. It can’t tell you whether an insurer will cover you or what you’ll pay. Every insurer sets its own rules.

    Wizcom is a technology company, not an insurance agency. We don’t sell or recommend insurance. For coverage, talk to a licensed agent (you can check a Michigan license here), and always answer insurance applications honestly.

    Want help fixing these?

    A Wizcom engineer can look at your answers and tell you which gaps are quickest to fix. We handle the technology side; your insurance agent handles the policy.

    Leave your details and we’ll be in touch within 48 hours. Your answers come along, so you won’t have to repeat them.

    Thanks. We’ll be in touch.

    Someone from Wizcom will reach out within 48 hours.

    FAQ

    Questions about this check

    Is this an insurance application?

    No. It is a free self-check to help you get ready. Nothing you enter is sent to any insurance company, and your score does not affect any application.

    Will a high score guarantee I can get cyber insurance?

    No. Every insurer makes its own decisions about coverage and price. A high score means you have many of the basics insurers commonly ask about, which usually helps, but it is not a promise of coverage or a lower price.

    How is my score calculated?

    Each Yes earns full points, Partly earns half, and No or Not sure earns none. The five must-have basics (the second login step on email, remote access, and admin accounts, modern security software, and safe backups) count more than the others. These weights are Wizcom's judgment, not an insurer's scoring system.

    Where do my answers go?

    Your score is calculated in your browser. We keep an anonymous copy of your answers and score, with no name or contact details, to improve the tool, as described in our Privacy Policy. If you ask for a review, the details you type into that form are sent to Wizcom.

    What should I do with my results?

    Start with any must-have gaps, since insurers ask about those most. Print your results and share them with whoever runs your IT, then talk to a licensed insurance agent when you are ready to apply.

    Method

    Where these questions come from

    The questions cover security basics that show up again and again on cyber insurance applications and in public security guidance. For example:

    Last reviewed: September 30, 2026. Links go to other websites Wizcom doesn’t control.