Capital Efficiency & Financial Risk
Stop blaming market conditions for your cyber premium.
Cyber insurance premiums went up again at renewal. Management called it market conditions. More often it is specific technical gaps the insurer flagged and IT never fixed. Vyfority finds them, fixes them, and hands the broker a better number to work with at the next renewal.
The Attribution Gap
The tools are "turned on." Insurers know better.
Insurers price mid-market cyber risk against four specific liabilities, whether or not the board has ever heard of them.
01
The MFA fallacy
Insurers no longer give credit for simply "having MFA." One legacy VPN or helpdesk portal without it enforced can re-rate an entire risk profile to substandard. We audit coverage uniformity so you are not penalised for single-point failures.
02
The stale data liability
Insurers use volume-based pricing for data breach endorsements. Holding hundreds of thousands of legacy records with zero business value means paying a real risk premium to insure useless data. We identify data rot so it can be deleted and the total insurable value shrinks.
03
The recovery trap (BI loading)
Backups can be "successful" and still take weeks to restore. Insurers apply a business interruption loading for that gap. We audit restoration velocity, proving to underwriters that recovery is fast enough to avoid catastrophic loss.
04
The EDR "shelfware" penalty
Underwriters know about silent EDR. If expensive endpoint software sits in log-only mode or isn't actively monitored, insurers treat it as non-existent. We optimise the configuration so you get credit for tools already paid for.
The Execution Path
How the premium actually comes down
Step 01 — The Defensibility Audit
Fixed fee, scoped on the call
An on-site, targeted assessment focused on the four premium triggers: MFA gaps mapped, stale PII quantified, restoration velocity tested. The outcome is a broker-ready Insurance Defensibility Report handed directly to your broker before they go to market.
- 01
Posture remediation
Vyfority manages the fix, not just the finding: overseeing the purge of stale data, enforcing uniform MFA across blind spots, and optimising EDR configuration. Every control implemented is documented, so underwriters have no grounds to inflate the premium.
- 02
Broker negotiation
Before-and-after risk posture documentation and quantified premium reduction projections, arming you and your broker with the specific technical evidence needed to negotiate the number down.
Led by Dean Kastelic
Former Enterprise CISO & Director of Cyber Defence, KPMG
Underwriters and insurance brokers do not put much weight on generic IT reports. They respect verifiable controls, signed off by someone with recognised industry authority.
As a former enterprise CISO and KPMG Director, Dean Kastelic provides the executive-level attestation a broker needs to take to market.
CFO Tool
The 4 hidden triggers inflating your premium
The playbook insurers use to price mid-market cyber risk. Score yourself on each trigger: failing two or more is a real signal your premium has room to fall.
Download the PDF guide →Is your renewal less than 90 days away?
Do not submit the insurer's technical questionnaire blindly. Have your controls reviewed first, so you are not admitting to gaps that trigger an automatic premium spike.
Book a renewal strategy callVyfority provides technical security assessment and remediation. We do not provide insurance or financial product advice, and we do not arrange, recommend or negotiate insurance products. Engage your broker and your own advisers on policy matters.