Cyber Insurance Advisory

Cyber insurance premiums have tripled over the past three years and the questionnaires keep getting harder. Carriers are denying claims when controls fail, raising sub-limits on the worst-impact losses, and excluding entire classes of incident. Mjolnir helps Canadian organizations navigate the insurance market — before, during, and after an incident.

Pre-Renewal Readiness

The best time to improve your insurance posture is months before the renewal deadline.

• Gap analysis against current carrier and broker questionnaires
• Prioritized remediation plan focused on the controls insurers actually verify
• Evidence package preparation including documentation, screenshots, and reports
• Broker and underwriter coordination support

Coverage & Policy Review

Most cyber policies have exclusions and sub-limits that surprise policyholders during a claim.

• Coverage breadth review including ransomware, war exclusion, and contingent business interruption
• Sub-limit analysis for the loss categories most likely to apply to your environment
• Vendor coverage gap identification (cloud providers, SaaS, MSP)
• Policy negotiation support during renewal

Post-Incident Claims Coordination

Most claims are denied or reduced because of process failures, not policy exclusions.

• Incident notification and carrier engagement within policy windows
• Forensic evidence preservation aligned to insurer expectations
• Documentation of containment, remediation, and recovery costs
• Coordination with breach counsel, public relations, and the insurer panel firms