Renewal quotes are taking longer. Questionnaires are getting deeper. Underwriters want documents that used to be optional. If you've noticed the shift, you're not imagining it.
What they're actually asking for
- Evidence of multi-factor authentication across email and finance systems.
- A written incident response process, even a short one.
- Named responsibilities: who owns cyber, who owns physical, who owns people risk.
- Evidence you've tested a scenario in the last 12 months.
Why it matters at renewal
Businesses that can answer these questions confidently are seeing better terms, higher limits, and fewer exclusions. Businesses that can't are seeing premium jumps of 20-40% for the same cover — or cover being declined outright.
A short, honest continuity conversation once a year is now the cheapest premium reduction on the market.