When Cyber Insurance Costs Rise or Stay Low. It’s Time to Ask Why?
- IHS Team
- Oct 16
- 2 min read
Cyber insurance premiums are no longer a reflection of market volatility, they’re a reflection of your organization’s risk.
If your rate is high, it may be because underwriters see gaps in your cybersecurity safeguards.
If it’s low, it could be because you’re underinsured or missing coverage that would protect you in the event of a breach.
Either way, it’s worth asking: What’s really behind that number?
From Promises to Proof
Insurers are no longer satisfied with claims like “we use firewalls and antivirus.” They now expect proof, documented risk assessments, MFA enforcement, tested backups, and proper identity management.
If you can’t demonstrate compliance with these minimums, you may be investing in coverage you can’t actually claim.
And when a breach happens, that could mean delayed or denied reimbursement.
Why Senior Care Feels It the Most
Senior care organizations juggle multiple systems and facilities, often with limited IT staff and varied levels of protection. That inconsistency creates hidden risks, shared credentials, unmanaged devices, and siloed networks which drive premiums up or reduce coverage limits.
But when safeguards are proven and consistent across your environment, insurers take notice.
“Cyber insurers aren’t just checking boxes for EDR, backups, email filters, or awareness training they’re looking for evidence that these tools are properly configured, actively monitored, and consistently enforced. That’s where a skilled MSP makes the difference. When you can demonstrate that your security stack is not only present but professionally managed across every endpoint and facility, insurers respond with superior coverage terms and significantly lower premiums.”
Joe Erle, C3 Insurance
“Security is a shared responsibility. Our role is to make sure every safeguard we manage can be proven, monitored, and trusted because insurers now measure what you can verify, not what you intend.”
Jason Brown, SVP of Service Delivery, Integrated Health Systems
Assess, Standardize, and Prove
Integrated Health Systems helps senior care organizations strengthen their risk posture and improve insurability by starting with an independent, third-party risk assessment. This provides a clear baseline, and the documentation insurers require to validate your safeguards.
From there, our pre-vetted security stacks bring standardization, monitoring, and compliance alignment across your entire organization creating the foundation for stronger coverage and reduced premiums.
What This Means for You
Reduced Risk, Lower Premiums: Verified safeguards and documentation lead to better coverage at lower cost.
Confidence in Coverage: You can prove compliance and meet every insurer minimum.
Audit-Ready Compliance: Consistent standards across M365, EHR, and network systems.
Faster Response: Streamlined recovery and fewer surprises during audits or claims.
Closing Thought
If you’re responsible for managing risk or renewals, this is the right time to take a closer look. A quick conversation can clarify whether your safeguards are working in your favor or if unseen gaps could cost you when it matters most.
Many senior care leaders are surprised to learn how much their proof of compliance impacts both coverage and cost.
If you’d like to see where your organization stands, reach out to Integrated Health Systems. Together, we’ll assess your risk posture, validate your readiness, and ensure your cyber insurance reflects your true protection not your perceived risk.