July 23, 2025
A practical guide from NSN Management
The hard truth about cyber risk
Cyber-criminals don't schedule appointments, and they don't discriminate by company size. One phishing email or unpatched firewall can sideline a 20-person architecture firm just as easily as a Fortune 500—only small and mid-sized businesses feel the pain faster. Outages, forensics, legal fees, angry clients: costs can explode well past six figures before you're back to work.
That's why more boards and lenders now insist on cyber insurance. A solid policy can keep an incident from becoming an extinction event—if you meet the insurer's security standards first.
What cyber insurance really covers
Exact terms vary, but well-structured policies typically reimburse for:
- Data recovery and system rebuilds
- Regulatory fines and legal counsel
- Mandatory customer notifications and credit-monitoring services
- Lost revenue while systems are down
- Ransom payments (when allowed by law and the policy)
Important: insurers pay only when you can prove your house was in order before the breach. "We meant to turn on multi-factor authentication" won't cut it.
Four common reasons claims get denied
- Weak access controls - No MFA on Microsoft 365, shared admin passwords, etc.
- Unpatched software - Months-old critical updates left hanging.
- Paper-thin documentation - Missing asset inventory or backup logs.
- No incident playbook - Scrambling in Slack doesn't count as a response plan.
Insurers assume that if you ignored the basics, you'll ignore the rest—so they protect their balance sheet, not yours.
- Multi-factor authentication everywhere, especially email and VPN
- Verified, test-restored backups (onsite and cloud)
- Endpoint detection & response backed by a live SOC
- Documented, rehearsed incident-response plan
- Quarterly risk assessments with evidence of remediation
- Ongoing security-awareness training for every employee
Where NSN Management comes in
NSN isn't just an MSP—we're your single point of accountability for security, compliance, and uptime. Our NSN Security Suite bundles MFA enforcement, 24/7 SOC monitoring, dark-web scanning, and tested backups under one contract. Pair that with our Compliance-as-a-Service and vCIO guidance, and you'll walk into any underwriting meeting with the controls—and the audit trail—carriers demand.
When an incident strikes, our response playbooks align with insurance notification timelines, so evidence is preserved and coverage isn't jeopardized. You focus on customers; we handle the fire drill.
Ready to put cyber insurance on your side?
If you're unsure your current stack would pass an insurer's sniff test, let's talk. NSN Management has kept Tulsa-area businesses secure, compliant, and productive for over 12 years.
Click here or call us at (918) 770-9150 to schedule your FREE 15-Minute Discovery Call today and turn your IT strategy into a strategic asset—before the next headline becomes your own.
