Cyber Insurance Editing and Proofreading Services

The proposal form asked whether multi-factor authentication was enforced on all remote access. Somebody in IT ticked yes, because it was enforced on almost everything and the project to finish the rest was nearly done. Eighteen months later a claim arrives from an account that did not have it, and the argument is no longer about the breach. It is about the tick.

We edit what cyber insurers, brokers and their insureds produce — proposal forms and their questions, applicant answers and supporting statements, warranty and condition wordings, policy summaries for boards, incident notification and first-response documentation, renewal declarations and change notifications, and the material explaining cover to organisations buying it for the first time. Our editors work on answers that become contractual statements.

The proposal form answer is where cyber cover is secured or quietly destroyed, and its failure is a yes that is nearly true. An answer on a proposal form is not a description; it is a statement the policy may be built on. We work through these so each question is answered against what is actually in place today rather than what is planned, since "in progress" is a legitimate answer and "yes" is not, and insurers price partial implementation all the time; so any exception is stated with its scope — the eleven service accounts, the legacy system, the third-party contractor's access — because a qualified yes is underwritten and an unqualified one is a warranty; so the person answering is somebody who knows rather than the person who owns the renewal, given that most bad answers come from a sales or finance function completing a technical form; so the terms in the question are checked against the organisation's own meaning of them, as "backups tested" means one thing to an insurer and another to an IT team that restores a file occasionally; so anything that changes between quotation and inception is notified, since cover is written on the position declared; so the difference between a warranty, a condition precedent and a representation is understood before signing, because these fail in different ways; so the answers are kept with evidence of what was true on the day; and so the renewal is answered afresh rather than rolled forward. Forms answered this way produce cover that responds.

Everything you send is treated in confidence, including security information, proposal forms, incident material and claims correspondence. We are editors rather than brokers, underwriters, lawyers or security professionals, and we give no advice on cover, security or any claim. What we can do is make the answer say exactly what is true.