
Denied: Why So Many SMBs Fail Their Cyber Insurance Assessment (And the 2026 Checklist That Passes)
International Control Services thought it had cyber insurance. On its application, the company stated that multi-factor authentication was required for all remote access and administrative accounts. When it filed a claim after an incident, the insurer discovered the truth: MFA had only ever been enabled on the company firewall. The claim was denied, not because the loss wasn’t real, but because the application wasn’t. That case is one of the clearer examples of a pattern

