Resource / Cyber Insurance
Cyber insurance requirements for medical practices
Cyber-liability insurers have tightened their rules. The controls that used to be optional are now conditions of coverage, and a claim can be denied if you cannot prove you had them in place. Here is what insurers require in 2026, why renewals are getting harder, and how we get your practice covered and keep it that way.
Why insurers tightened the rules
Ransomware made cyber insurance expensive to underwrite, so insurers shifted the risk back onto you.
A few years ago you could get cyber coverage with a short questionnaire and few real requirements. Then ransomware losses surged, healthcare became a top target, and payouts climbed. Insurers responded by raising premiums, lowering limits, and, most importantly, requiring proof of specific security controls before they will write or renew a policy. Today the application is a detailed security questionnaire, and your answers become part of the contract.
That last point is the one that catches practices out. If you attest that you have multi-factor authentication everywhere and you do not, an insurer can deny the claim or void the policy after an incident on the grounds that you misrepresented your controls. The questionnaire is not paperwork, it is the coverage.
The controls insurers now require
These show up on nearly every healthcare cyber-insurance application in 2026.
Multi-factor authentication
MFA on email, remote access, and administrative accounts is the number-one requirement, and increasingly on your EHR as well.
Endpoint detection & response
Modern EDR on every workstation and server, not just legacy antivirus. Part of our managed cybersecurity.
Tested, offline backups
Encrypted backups that are segregated from the network and verified with real restore tests, so ransomware cannot destroy them.
Email security
Advanced filtering and anti-phishing, because email is still the most common way attackers get in.
Security awareness training
Regular staff training with simulated phishing. Insurers increasingly ask whether you run it and how often.
Patch management & an IR plan
Timely patching, no end-of-life systems, and a written incident-response plan you can produce on request.
What gets a claim denied
Coverage is only as good as your ability to prove the controls were real. Not a healthcare organization, or dealing with a claim after an attack? See the cyber-insurance readiness guide from ACS Cyber, our cybersecurity division.
Attesting to controls you do not have
Saying yes to MFA, EDR, or tested backups on the application when they are not fully in place gives the insurer grounds to deny a claim after a breach. The gap is discovered exactly when you need the payout.
Evidence, not intentions
We implement the required controls and document them, so your answers are accurate and you can show proof if a claim is ever investigated. Pair this with a documented risk analysis.
How we get you covered, and keep you covered
From a confusing questionnaire to a clean, defensible policy.
What practices say about working with us
As someone working in healthcare, protecting patient information is non-negotiable. Atlantic Computer Systems has been outstanding: knowledgeable, responsive, and always ahead o…
Atlantic Computer Systems has been fantastic to work with. Their team is knowledgeable, responsive, and always quick to help when issues come up.
Huge shoutout to an amazing IT team! Reliable, responsive, and always ready to help, no matter how big or small the issue. They keep everything running smoothly behind the scenes.
Our healthcare agency couldn't be happier with their service. Their team is always professional, responsive, and really understands the challenges of managing sensitive patient…
Four was amazing at helping me get set up! He answered all my questions and guided me so well with getting my access and software. He's always easy to reach and does great with…
Four has been very knowledgeable and available when it comes to technological issues. He always solved the problem and is always professional and kind. Great support team!
Atlantic Computer Systems is wonderful. I've personally interacted with Four and Ed. They are both very knowledgeable and professional. I would highly recommend them to anyone n…
Four Acuna is very friendly, patient, courteous and very knowledgeable.
I needed managed IT for my remote business, and these guys had the best deal I could find and a free cybersecurity audit! Thank you ACS.
Four is kind, helpful and solution oriented. I appreciate the patient and non-judgmental way I've been treated as a less tech-savvy person. Thank you Four!
As someone working in healthcare, protecting patient information is non-negotiable. Atlantic Computer Systems has been outstanding: knowledgeable, responsive, and always ahead o…
Atlantic Computer Systems has been fantastic to work with. Their team is knowledgeable, responsive, and always quick to help when issues come up.
Huge shoutout to an amazing IT team! Reliable, responsive, and always ready to help, no matter how big or small the issue. They keep everything running smoothly behind the scenes.
Our healthcare agency couldn't be happier with their service. Their team is always professional, responsive, and really understands the challenges of managing sensitive patient…
Four was amazing at helping me get set up! He answered all my questions and guided me so well with getting my access and software. He's always easy to reach and does great with…
Four has been very knowledgeable and available when it comes to technological issues. He always solved the problem and is always professional and kind. Great support team!
Atlantic Computer Systems is wonderful. I've personally interacted with Four and Ed. They are both very knowledgeable and professional. I would highly recommend them to anyone n…
Four Acuna is very friendly, patient, courteous and very knowledgeable.
I needed managed IT for my remote business, and these guys had the best deal I could find and a free cybersecurity audit! Thank you ACS.
Four is kind, helpful and solution oriented. I appreciate the patient and non-judgmental way I've been treated as a less tech-savvy person. Thank you Four!
Cyber insurance: questions, answered
Does cyber insurance cover ransomware?
Most policies do, but coverage is increasingly conditional on proving baseline controls such as MFA, EDR, and tested backups. Without that evidence, a ransomware claim can be reduced or denied.
What is the MFA requirement exactly?
Insurers generally expect multi-factor authentication on email, all remote access, and administrative accounts at minimum, and many now expect it on clinical systems too. Partial MFA is a common reason applications are rejected.
Do small practices really need cyber insurance?
Yes. Small practices are now a primary ransomware target, and the cost of a breach, including notification, downtime, and penalties, can be existential. Insurance plus strong controls is the realistic way to manage that risk.
Will better security lower our premium?
Often, yes. Demonstrating mature controls can improve both your eligibility and your pricing, and it reduces the chance of a denied claim. The same controls also satisfy HIPAA.
Can you help us fill out the security questionnaire?
Yes. We review the questionnaire with you, make sure every answer is accurate, and close any gaps so you can attest truthfully. Book a free readiness check to start.
Do not find out at claim time.
A free readiness check shows where you stand against today's cyber-insurance requirements, and what it takes to qualify and keep coverage. No obligation.
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