Free Insurance Coverage Stress Test

You paid the premium. They found a reason not to pay.

Would your policy actually answer?

Multi-factor authentication not quite finished. Patches six weeks behind. A response plan nobody has tested. Any one of those can be enough on its own. Twelve questions, about five minutes, and an honest answer while you can still do something about it.

Start the stress test

No email needed to begin. Just so I know who I am scoring.

Your name

Company

I need both before we start.

Adam Green, CISOTwenty odd years in security leadership, and response through more than twenty live incidents.

Twelve questions, about five minutes
Scored the second you finish
A written summary you can hand to your broker
No call required, ever

What the twelve cover

The conditions that get examined when a claim is assessed.

Access control and MFA
Patching windows
Incident response and testing
Backups and restoration
Endpoint and email
Logging, vendors and people

The market you are buying in

Insurers are getting stricter, not softer.

$467m

was the size of the Australian cyber insurance market in 2025, and it is growing fast enough that underwriting is tightening rather than relaxing.

Australian cyber insurance gross written premium, 2025, industry market reporting

15 to 20%

is the forecast premium increase for 2026, after two years of softening rates. Renewal is where the conditions get checked.

S&P Global, 2026 forecast

The part nobody reads

Cyber insurance is not like other cover. The policy assumes you are doing specific things, and you told them you were.

Multi-factor authentication everywhere. Systems patched inside a defined window. A tested incident response plan. Sufficient logging. Controlled access. Those are not recommendations in a cyber policy, they are conditions, and you attested to them on the application.

If you attested to them and were not actually doing them, the insurer has grounds to walk away at the moment you need them most. You can pay premiums for years and still be uninsured in practice.

And almost nobody checks. The renewal gets signed. The box gets ticked. The premium gets paid. Nobody goes back and asks whether we actually meet what we promised, and the answer arrives with the claim.

conditions, taken from what insurers actually examine at claim time. Answer them honestly and you will know within five minutes whether your cover would hold.

Answer them dishonestly and you will get the same score you would get from your insurer, which is the one that counts.

The stress test

Twelve questions. Would it pay out?

About five minutes. Scored the moment you finish, and there is no call to book to get the result. Add your name and company above and the questions open up here.

Question 0 of 12About 5 minutes

Likely to be denied

Would your policy answer?

0 of 12

You scored 0 out of 12.

Talk to me about closing the gaps

Condition by condition

Why this one is free

I have sat with businesses working out, in the middle of a claim, that the cover they had paid for was not going to answer. It is a bad room to be in, and the thing that put them there was almost always decided a year earlier by somebody ticking a box on a renewal form.

So this is the cheapest useful thing I can give you. Twelve questions, answered honestly, in the time it takes to have a coffee.

There is nothing to buy at the end of it and there is no call to book. If you score well, you will know exactly why, and you should keep the evidence somewhere you can find it at renewal.

If you score badly, you have found out on a Tuesday morning rather than on the worst day of your year, and every one of the twelve is fixable.

Who wrote this

Adam Green, CISO

More than twenty years in technology and security, in leadership throughout, and response through more than twenty live incidents and ransomware attacks. Two national advisory appointments.