Cyber insurance requirements have shifted from attestation to evidence. In 2026, carriers commonly ask for proof of enforced MFA, sign-in log exports, backup and recovery evidence, and answers about AI tool use - not just a signed checklist.
The renewal packet is now a technical evidence request in an insurance envelope. The gap between what you attest and what you can produce is exactly where premiums rise and claims get contested.
The fix is not buying more tools. It is knowing which controls your carrier actually prices, evidencing the ones you have, and closing the two or three that move the premium — before the renewal date. That is the whole job of Insurance Renewal Readiness — starting at $4,500, two weeks, best started 60 to 90 days out.