MFA Everywhere
Multi-factor on email and remote access is the closest thing to a universal requirement. No answers here end applications.
Free Tool · Cyber Insurance Readiness
Would your business qualify for cyber insurance?
Carriers stopped taking your word for it. Applications and renewals now hinge on specific controls: MFA, EDR, tested backups, training. Answer 10 questions mirroring the real questionnaires and see how you would likely land, before the underwriter does. Educational, not insurance advice.
⏱ 2-Minute Check
📄 Mirrors Real Questionnaires
🔒 Private & Free
★ By Orca IT
Based on the controls carriers commonly require · final decisions always rest with the insurer
What Carriers Ask
The controls underwriters treat as table stakes
These ten items dominate real cyber insurance questionnaires, and increasingly, carriers verify rather than trust.
Managed Endpoint Protection
Carriers ask for EDR by name now: protection that detects behavior, on every machine, watched by someone.
Backups That Survive
Offline or immutable copies with tested restores, because a claim after ransomware turns on whether you could recover.
Training on Record
Documented security awareness training, since the human click is where most claims begin.
Patching & No Dead Systems
Monthly patching and no end-of-life systems in production. Unsupported software is a growing exclusion trigger.
Answers You Can Prove
Misstatements on applications have voided real claims. The goal is answering yes truthfully, with evidence.
Why It Tightened
Why insurers got strict, and what it means for you
Ransomware losses reshaped the cyber insurance market. The result is a checklist economy, and it is navigable.
Questionnaires became gatekeepers
A decade ago coverage was a signature. Today missing controls mean declines, exclusions or painful premiums.
Renewals are the ambush
Businesses discover the new requirements at renewal, with weeks to implement MFA or EDR fleet-wide. Early beats panicked.
Claims get scrutinized
After an incident, carriers compare reality to your application. Controls you claimed but lacked can void the payout entirely.
Exclusions hide in the middle
Policies increasingly exclude losses tied to missing MFA or unsupported systems. The fine print is where gaps get expensive.
Premiums reward proof
Documented controls do not just win approval, they measurably improve pricing and limits.
The list doubles as real security
Every item carriers demand is a genuine defense. Insurance pressure is, quietly, a decent security roadmap.
How It Works
From gaps to insurable
01
Check
Answer the 10 questions above for your instant readiness read.
02
Plan
Send it over and we reply with a free, prioritized implementation plan.
03
Implement
MFA, EDR, backups, training and documentation, rolled out properly.
04
Apply Confident
Answer every question yes, truthfully, with evidence attached.
The questionnaire is coming either way. Meet it ready.
Two minutes for your readiness read, and a defined path to every yes.
Why Orca
Why get insurance-ready with Orca
We implement the exact controls carriers require, and produce the documentation that proves them.
Fluent in the questionnaires
We fill these out alongside clients constantly and know precisely what carriers mean by each line.
Implementation, not just advice
MFA rollouts, managed EDR, immutable backups and training, deployed and maintained, not recommended and abandoned.
Evidence included
Screenshots, policies and reports that turn your yes answers into defensible answers.
Truthful answers protect claims
We close gaps for real, because a paper yes that fails an audit can void the coverage you paid for.
20+ years of experience
Two decades of business security, now with an underwriter reading over everyone’s shoulder.
Works with your broker
We handle the technical side and coordinate cleanly with your insurance broker. We sell IT, not policies.
Questions
Insurance readiness, answered
Is this insurance advice? Will a good score guarantee coverage?
No and no. This is an educational check of the technical controls carriers commonly require. Coverage decisions belong to insurers and your broker. What we do is make the technical answers true.
Which single control matters most?
MFA on email and remote access. Many carriers treat it as an absolute prerequisite, and its absence is among the most common reasons for declines and exclusions.
What is EDR, and is my antivirus enough?
EDR (endpoint detection and response) watches behavior and enables response, beyond traditional antivirus scanning. Questionnaires increasingly name EDR specifically, and managed EDR is what we deploy.
Can I just answer yes and fix it later?
Dangerous. Misrepresentations on applications have voided real claims after real incidents. The only safe yes is a true one, which is exactly the gap we close.
How fast can the gaps be fixed?
MFA and access controls in days. Managed EDR and backup changes within a couple of weeks for most small businesses. Training and documentation run alongside. A renewal a month out is usually workable.
Do you see my answers?
Not unless you send them. The check runs in your browser, and your result reaches us only if you submit the form for your free plan.
Will this help my premium too?
Documented controls commonly improve pricing, limits and terms, though outcomes vary by carrier and market. Your broker negotiates; we make sure the substance is there to negotiate with.
Free Tools
More free tools from Orca
No email walls, no tricks. Useful tools that run right in your browser.
Your Free Plan
Get insurance-ready before the deadline.
Send your result and we will reply with a prioritized plan to every yes, with evidence. Free, no pressure. Or just call.
(602) 677-0779For Arizona businesses · Onsite across the Phoenix area and remote
Send me my readiness plan
A few details and we’ll get right back to you to help.