07/27/2026
If your cyber insurance renewal is coming up, the application is probably longer than the last one you filled out.
Each new question maps to a specific 2023 or 2024 claim that cost carriers serious money: MOVEit, Change Healthcare, and the Arup deepfake wire fraud where a finance employee wired $25 million to AI-generated executives on a video call.
The trap most business owners fall into is answering optimistically. Saying yes when the honest answer is no.
If a forensic investigation after a claim finds your environment didn't match your application, the carrier can void the policy entirely. That's called rescission, and it means you absorb the full cost of the incident yourself.
We wrote up what each new section is asking and exactly how to answer without putting your coverage at risk. Link in bio.
https://bourntech.com/cyber-insurance-renewal-why-the-application-got-longer/