PBM Answer Center
What Is MFA and Why Does Cyber Insurance Require It?
By Brady Phenicie · July 2, 2026 · 4 min read
Short answer
MFA, or multi-factor authentication, requires a second proof of identity beyond a password. Cyber insurers require it because stolen passwords are one of the most common ways attackers access email, cloud apps, and remote systems.
How MFA helps
If a password is stolen through phishing or reuse, MFA can stop the attacker from logging in without the second factor.
Authenticator apps and hardware keys are generally stronger than SMS codes.
Where to enable MFA first
Start with Microsoft 365, remote access, banking, payroll, accounting software, admin accounts, and any system that contains client data.
FAQ
Is MFA required for Microsoft 365?
It should be enabled for all business Microsoft 365 users, and especially for administrators.
Related services
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