PBM Answer Center
What Does Cyber Insurance Require From Small Businesses?
By Brady Phenicie · July 2, 2026 · 5 min read
Short answer
Cyber insurance commonly asks small businesses about MFA, endpoint protection, backups, patching, employee training, email security, access controls, and incident response planning. Requirements vary by carrier and policy.
Common controls
The most common questions involve MFA on email and remote access, protected backups, endpoint detection or antivirus, security updates, and whether employees receive phishing training.
Some policies also ask about encryption, vendor access, privileged accounts, and written incident response plans.
Why accuracy matters
Insurance applications are business documents. If answers are guessed or overstated, a claim can become harder later. PBM helps gather the technical facts so owners can answer clearly.
FAQ
Can PBM help with cyber insurance readiness?
Yes. PBM reviews technical controls and helps prioritize fixes before an application or renewal.
Related services
Need help applying this to your business?
PBM provides managed IT, Microsoft 365 support, backup, cybersecurity, compliance, and cyber insurance readiness from Polson, MT.
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