Your Path to Lower Premiums and Stronger Protection

As IT and cybersecurity leaders, you’re acutely aware of the escalating cyber threat landscape. From sophisticated ransomware attacks to AI-driven scams and pervasive supply chain vulnerabilities, the challenges are relentless. This environment has, understandably, made cyber insurance a non-negotiable part of your risk management strategy. However, many of you are grappling with rising premiums and increasingly stringent underwriting requirements.

The good news? The 2025 cyber insurance market, while maturing, is showing signs of stabilization and even decreasing premiums for organizations that demonstrate a robust, proactive cybersecurity posture. This isn’t a free pass, though. Insurers are scrutinizing security controls more closely than ever, differentiating risk based on your commitment to layered defenses. The message is clear: strong cybersecurity isn’t just good practice; it’s your direct path to more favorable policy terms, higher coverage levels, and improved sub-limits.

So, how do you navigate this evolving landscape and turn your security investments into insurance savings? Let’s break down the key requirements and how US Signal can help.

The 2025 Cyber Insurance Reality: What Underwriters Demand

The recent, far-reaching attack on Change Healthcare, which reportedly lacked basic controls like Multi-Factor Authentication (MFA), serves as a stark reminder of how fundamental cyber hygiene can prevent catastrophic losses and even claim denials.¹ This, and other major incidents, have reinforced insurers’ need for stricter underwriting guidelines, particularly around third-party risk management and the emerging risks of AI adoption.

In essence, insurers are rewarding organizations that adopt a comprehensive, layered approach to cybersecurity. Companies with advanced and responsive controls are seeing significant premium decreases, often exceeding 20%, and gaining access to enhanced coverage options.⁷ This means your investment in security directly impacts your bottom line.

Your Roadmap to Optimal Cyber Insurance: Essential Controls

To secure the best cyber insurance outcomes in 2025, focus on these critical areas:

1. Technical Controls: Fortifying Your Digital Perimeter

These are the foundational technologies that directly mitigate cyber incidents. Insurers are highly prescriptive about their implementation:

Multi-Factor Authentication (MFA): This is a non-negotiable. Insurers require MFA for all critical systems, including privileged access, remote access (VPN/RDP), email, and backups.
- How US Signal Helps: Our cloud hosting and managed IT services inherently leverage robust MFA for platform access, and our vCISO services can guide your organization in implementing comprehensive MFA strategies across your entire environment, ensuring compliance and enhancing security.
Endpoint Detection and Response (EDR) / Managed Detection and Response (MDR): EDR/MDR solutions provide real-time visibility and response capabilities across all endpoints, detecting and shutting down malicious behavior.
- How US Signal Helps: This is a core strength. US Signal offers Managed Detection and Response (MDR) using SentinelOne as an EDR platform in combination with our 24x7x365 SOC. This directly addresses a top insurer requirement.
Vulnerability and Patch Management: A continuous program of regular scanning (at least quarterly) and swift patching is essential to address known vulnerabilities.
- How US Signal Helps: Our Managed Patching and Vulnerability Management services ensure your systems are continuously monitored, vulnerabilities are identified, and patches are applied promptly, significantly reducing your attack surface.
Advanced Threat Detection (SIEM/EASM/SOC): For larger or higher-risk organizations, insurers increasingly require advanced tools like Security Information and Event Management (SIEM) and External Attack Surface Management (EASM), monitored by a 24/7 Security Operations Center (SOC).
- How US Signal Helps: Our Managed Extended Detection and Response (MXDR) based on Rapid7’s IDR platform and US Signal’s 24x7x365 SOC provides comprehensive, real-time threat monitoring and response, meeting the most stringent underwriting demands.
Data Encryption & Identity and Access Management (IAM)/Privileged Access Management (PAM): Protecting data at rest and in transit with encryption, and ensuring only authorized individuals have access through robust IAM and PAM tools, are critical.
- How US Signal Helps: As a cloud hosting provider, US Signal implements advanced encryption for data hosted within our environments. Our vCISO services can help you develop and implement strong IAM/PAM policies and procedures, ensuring least privilege access and continuous monitoring.
Data Backup and Recovery Solutions: Frequent, secured, encrypted, off-site, and regularly tested backups are mandated to ensure business continuity and minimize ransomware impact.
- How US Signal Helps: Our robust cloud hosting and managed IT services include comprehensive, secure, and tested data backup and recovery solutions, providing a critical last line of defense.

2. Administrative Controls: Your Strategic Blueprint for Resilience

Beyond technology, insurers want to see a mature approach to governance and human factors:

Incident Response (IR) and Business Continuity/Disaster Recovery (BCDR) Plans: Documented, regularly tested plans are crucial for rapid and effective response to cyber incidents.
- How US Signal Helps: Our vCISO services specialize in Incident Response Planning (IRP) with Tabletop Exercises, ensuring your team is prepared to act swiftly and effectively when it matters most. We also assist with Business Continuity and Disaster Recovery (BCDR) planning.
Employee Security Awareness Training: Human error remains a leading cause of breaches. Regular, engaging training with simulations (like phishing tests) is a consistent requirement.
- How US Signal Helps: Our vCISO services can help you develop and implement effective security awareness training programs, fostering a security-minded culture within your organization.
Risk Assessments & Policy Development: Regular risk assessments (including penetration testing and vulnerability scanning) to identify weaknesses, coupled with clear, documented security policies and procedures, are fundamental.
- How US Signal Helps: Our vCISO services provide comprehensive Risk Assessments, Policy and Procedure Development, and Security Roadmap development, giving you a clear picture of your posture and a plan for continuous improvement.
Third-Party Risk Management Programs: Given the rise of supply chain attacks, insurers are heavily scrutinizing how you vet and manage vendors, requiring strong contractual language and cybersecurity certifications.
- How US Signal Helps: Our vCISO services include Technology Procurement Advising and guidance on developing robust third-party risk management protocols, helping you secure your extended digital ecosystem.

3. Physical Controls: The Unseen Foundation

While often less explicitly detailed in premium calculations, physical security is an implicit expectation. Its absence can lead to direct cyber incidents and potential claim denials.

Secure Access to IT Assets and Infrastructure: Restricting physical access to sensitive areas with measures like keycards, biometrics, and detailed access logs is crucial.
Data Center Physical Security: For organizations utilizing data centers, stringent physical security measures—including 24/7 locked doors with electronic access controls, visitor management, continuous video surveillance, and environmental monitoring—are paramount.
- How US Signal Helps: As a cloud hosting provider, US Signal’s own data centers adhere to the highest standards of physical security, providing a secure foundation for your hosted data and applications. Our vCISO services can also advise on best practices for securing your on-premise IT assets.

Partner with US Signal for Cyber Insurance Confidence

The 2025 cyber insurance market is rewarding preparedness. By strategically investing in the right cybersecurity controls, you can not only enhance your organization’s resilience against evolving threats but also significantly improve your insurability, leading to lower premiums and broader coverage.

US Signal is uniquely positioned to help you meet these demands. As a comprehensive cloud hosting, managed IT, and managed security services provider, we offer a full spectrum of solutions that directly align with insurer requirements:

Managed Patching and Vulnerability Management
Managed Detection and Response (MDR) with SentinelOne and our 24x7x365 SOC
Managed Extended Detection and Response (MXDR) with Rapid7 IDR and our 24x7x365 SOC
vCISO services, including Incident Response Planning (IRP) with Tabletop Exercises, Risk Assessments, Policy and Procedure Development, Compliance Alignment, Security Roadmap development, and Technology Procurement Advising.

Don’t let cyber insurance costs be a mystery or a burden. Let US Signal help you build a robust security posture that satisfies underwriters and protects your business.

Ready to optimize your cyber insurance and strengthen your security? Contact US Signal today for a consultation.