The Problem

Most SMBs fail their cyber liability application. They just don't know it yet.

Cyber insurance has changed. The premium you paid last year may not be available this year — and the policy you think covers you may deny a claim if your controls don't match what you certified on the application.

Carriers are now auditing applications with the same rigor they use on claims. If your MFA isn't actually enforced everywhere, your backups aren't actually tested, or your incident response plan is actually a Word doc from 2019 nobody has opened — your claim can be denied.

Cyber liability solutions from ABT close that gap between what your policy requires and what your environment actually delivers — before you need the coverage.

Common claim denial reasons

  • MFA not enforced on all accounts
  • Backups untested or not immutable
  • Missing or outdated incident response plan
  • Inadequate access control & offboarding
  • No documented user security training
  • EDR absent or misconfigured
  • Unpatched systems at time of incident
What We Do

Coverage-ready security, documented end-to-end.

A four-part program that aligns your controls to your policy, validates them in practice, and documents the whole thing so you're never scrambling when something happens.

Application Review

We walk your cyber liability application with you, line by line, and tell you honestly which answers are true today, which are aspirational, and which are going to bite you.

Gap Assessment

A practical review of what your policy requires vs. what your environment actually delivers — with prioritized remediation steps and cost estimates.

Control Implementation

We deploy, configure, and validate the specific controls your carrier requires — MFA, EDR, backups, training, IR plan, access management — and document them.

Claims-Ready Documentation

Every control documented with evidence, timelines, and attestations. If you ever file a claim, your paperwork tells the same story your environment does.

Annual Renewal Prep

Before your renewal, we refresh the evidence, update the application with you, and flag anything that could affect premium or coverage terms.

Incident Response Readiness

Documented playbooks, tested tabletop exercises, and a live IR retainer — the three things underwriters increasingly require before offering meaningful limits.

Carriers we commonly support

  • Chubb
  • Travelers
  • Coalition
  • At-Bay
  • Beazley
  • CNA
  • Hiscox
  • Liberty Mutual
  • … and most other major cyber markets
Why This Matters

A cyber policy is only as good as the controls behind it.

ABT doesn't sell insurance. We make sure the insurance you buy actually pays out — by aligning your technical controls to what the carrier requires and documenting everything in between.

This usually means working closely with your broker. We translate the technical questions on the application, sit in on underwriter calls when needed, and keep your control evidence organized between renewals.

The result: lower premiums (when carriers see real controls), higher limits, fewer exclusions — and a claim that pays when you actually need it.

Schedule a Cyber Liability Conversation

Don't find out your coverage is worthless on the day you need it.

A cyber liability review takes about an hour. We'll tell you honestly what your application should say, what your environment actually delivers, and where the gaps are.