Cyber Insurance Readiness UK With Protrona

Protrona produces the evidence pack underwriters accept, closes the exclusion traps and introduces you to our broker partner, New Dawn Risk, for a reduced premium term.

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New Dawn Risk is our premium cyber insurance partner.

 

 A cyber-specialist broker with A-rated capacity, FCA authorised in the UK and MFSA regulated in the EU. They place policy through their A-rated insurer panel.
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For your CFO

Cyber insurance premiums have risen sharply in recent years, making renewals more expensive and harder to secure. The best way to reduce costs is to demonstrate lower cyber risk. Protrona provides penetration testing, MFA validation, EDR assurance, and evidence insurers can verify to help strengthen your position at renewal. 

For your CISO

Insurers are demanding more evidence than ever, and many claims fail because organisations cannot prove security controls were effective. A Protrona penetration test with verified remediation provides the assurance and documentation insurers expect, helping protect your cover when you need it most. 

For your IT Director

Insurance applications now require detailed evidence of controls such as MFA, EDR, patching, backups, and incident response. Inaccurate answers can put future claims at risk. Protrona ensures your security controls are properly implemented, validated, and ready for insurer scrutiny. 

For your Risk Manager

Cyber insurance policies often contain complex exclusions that only become apparent after a claim. Protrona's evidence pack helps identify and address avoidable gaps while highlighting any remaining risks, giving you greater confidence that your cover will respond when it matters most. 

Checks are run before your application is read. Ensure you are ready.

 

Underwriters carry out automated checks on your environment before they even review your application, scanning for exposed ports, weak email protections like missing DMARC, unpatched external services, and compromised credentials on the dark web. Your answers need to align with what they see. When they don’t, premiums increase. Most organisations never know what data was checked or how they were assessed. Protrona’s readiness services replicate the insurer’s external view, validate it against your declared security posture, and close any gaps before your broker submits your application.

Cut your Premium with these controls and Services:

 

Security Awareness and Phishing Testing

Evidence Needed: Training completion and click rate

What proof you need from this: Training evidence, phishing metrics

Protrona Service: Phishing simulation service

How this changes your premium: Unlocks social engineering control-linked endorsement

Privileged Access Management

Evidence Needed: PAM inventory and attestation

What proof you need from this: AD security report, privilege audit 

Protrona Service: Active Directory security assessment 

How this changes your premium: Reduces escalation risk pricing 

        Patch Management SLA

Evidence Needed:  Vulnerability management report 

What proof you need from this: VM report, patch SLA dashboard

Protrona Service: Continuous penetration testing and patch verification

How this changes your premium: Removes known vulnerability exclusion (prior knowledge trap) 

IR Plan Tested in Last 12 Months

Evidence Needed: Tabletop exercise report

What proof you need from this: IR plan, tabletop outcome, RACI

Protrona Service: IR retainer and tabletop service

How this changes your premium: Improves BI sublimit; qualifies for Beazley-style optional controls discount 

EDR Coverage Across All Endpoints

Evidence Needed: Deployment rollout and telemetry evidence

What proof you need from this: Coverage report, endpoint inventory

Protrona Service: Managed detection and response service

How this changes your premium: 97.5% lower claim severity

Cyber Essentials Plus Certification

Evidence Needed: Active CE Plus certificate (IASME issued) 

What proof you need from this: CE Plus certificate (Protona's parent company, Fitzrovia IT, is a certification body) 

Protrona Service: Cyber Essentials Plus delivery as certification body 

How this changes your premium: 80% fewer claims (UK Gov); free £25k IASME cover on SME schemes 

               Penetration Test

Evidence Needed: Penetration tested report and scoring 

What proof you need from this: Report, executive summary, remediation plan 

Protrona Service: Penetration Testing

How this changes your premium: Unlocks standard capacity 

MFA On Remote and Admin Access

Evidence Needed: Configuration audit and attestation 

What proof you need from this: MFA coverage report, exception register 

Protrona Service: Internal network penetration test & AD password audit 

How this changes your premium: 30-50% loading removed; ransomware cover restored 

How Underwriters Translate Cyber Risk into Coverage 

 

Every coverage decision comes down to one question: Can you prove your controls?

 

Cyber insurance is evaluated line by line, rather than holistically.

Underwriters map your security controls against specific coverage areas, and where evidence is missing, exclusions are applied.

The framework below shows exactly how each major coverage area is assessed, and how validated controls from Protrona, placed through New Dawn Risk (NDR), translate into stronger policy outcomes.

In simpler terms, is a control cannot be evidenced, the associated coverage is often restricted or excluded

1. Prevention Controls

 

Ransomware & Extortion

  • Underwriters expect: MFA, EDR, tested backups, IR readiness

  • Protrona validates via: Penetration testing, MDR, IR retainer

  • Outcome (via NDR): Ransomware cover reinstated to primary layer

Cybercrime & Social Engineering

  • Underwriters expect: Phishing testing, BEC controls, payment verification

  • Protrona validates via: Phishing simulation, vishing and smishing testing

  • Outcome (via NDR): Social engineering carve out (where endorsable)

 

2. Response & Crisis Management

 

Crisis Management & Notification

  • Underwriters expect: Tested IR plans, 48–72-hour reporting capability

  • Protrona validates via: IR tabletop exercises, response retainers

  • Outcome (via NDR): Reporting deadline exclusion closed

Security & Privacy Liability (Breach Response)

  • Underwriters expect: Access control, data classification, encryption 

  • Protrona validates via: Pentest, PAM audit, configuration 

  • Outcome (via NDR): Third party liability sublimit

 

3. Recovery & Operational Resilience

 

Business Interruption

  • Underwriters expect: Validated RPO/RTO, tested backup recovery capability

  • Protrona validates via: Red team BCP test, Backup restore testing

  • Outcome (via NDR): Business interruption limits strengthened and negotiated upward

Security & Privacy Liability (Breach Response)

  • Underwriters expect: Log retention, forensic readiness

  • Protrona validates via: IR retainer, SOC and MDR

  • Outcome (via NDR): Forensic investigation cover improved

 

4. Evidence, Liability & Regulatory Defence

 

Regulatory Response

  • Underwriters expect: ICO ready documentation, DPIA records

  • Protrona validates via: GDPR advisory + CE Plus + pentest

  • Outcome (via NDR): Regulatory defence sublimit increased

Security & Privacy Liability (Legal Exposure)

  • Underwriters expect: Strong governance, data protection controls

  • Protrona validates via: Configuration audits, access control validation

  • Outcome (via NDR): Broader third-party liability positioning

 


 

5. Insider Risk & Access Control

 

Employee Dishonesty & Insider Risk

  • Underwriters expect: Access reviews, privileged account monitoring

  • Protrona validates via: Active Directory assessment, SOC

  • Outcome (via NDR): Insider exclusions narrowed

 

 

6. Structural Exclusions & Residual Risk

 

War & Nation-State Events

  • Underwriters expect: Structural exclusion

  • Protrona validates via: Forensic attribution support if disputed

  • Outcome (via NDR): Reduced ambiguity at claim stage and stronger positioning in disputed scenarios

 

 

With Protrona + New Dawn Risk

 

When controls are tested and evidenced, underwriters gain confidence.

  • Lower premiums (typically 10–40%)

  • Lower excess levels

  • Stronger limits, fewer sublimits

  • Exclusions reduced or removed

  • Faster, smoother renewals

  • Stronger claim outcomes
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Without

 

When controls are declared but not validated, underwriters assume higher risk

  • Higher premiums

  • Higher excess levels

  • Restricted cover and sublimits

  • Broad exclusions

  • Tougher renewals

  • Greater chance of claim disputes or rejection (up to 44%) 

The Commercial Impact

 

•    A 10–20% saving at renewal can often cover the cost of readiness
•    Your evidence remains valid for 12 months and can be used with any broker
•    New Dawn Risk uses this evidence to negotiate better terms on your behalf

Evidence that underwriters can act on: What your Broker Receives

 

Most cyber insurance applications rely on forms and declarations, but this doesn’t. 


Your Evidence Pack turns your security posture into clear, structured proof, packaged specifically for brokers and underwriters to review, price, and place risk with confidence.
This way, rather than telling underwriters what you have , you can prove it to them.

What's included?

Penetration Test Report (CREST-aligned)

Executive and technical findings that demonstrate real-world resilience, not just assumed security.

Cyber Essentials Plus Certificate

Independent validation of core controls, recognised and trusted by insurers.

Incident Response Plan & Testing Record

Documented response capability, including evidence of recent tabletop exercises.

Control Validation Register

A clear record of key controls (MFA, EDR, backups, patching) with proof of implementation and testing.

Exclusion Register

A transparent view of where exclusions apply, where they’ve been removed, and any remaining residual risk.

Board-Level Summary

A concise, decision-ready overview for leadership and underwriters, aligned to governance expectations.
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Step 1 - Discovery

A short initial call to understand your current policy, renewal timing, and priorities

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Step 2 - Readiness Review 

We assess your environment against insurer expectations and identify gaps that impact premium and coverage.

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Step 3 - Evidence Build

Key controls are tested, validated, and documented, including penetration testing, certification readiness, and response capabilities.

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Step 4 - Evidence Pack Delivery

Your insurer-ready evidence pack is produced, clearly structured for underwriting review.

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Step 5 - Placement & Renewal

New Dawn Risk uses your evidence to present your risk effectively and negotiate improved terms at renewal.

Who is this for?

Build a More Cyber-Aware Workforce

 

Contact us to explore training programmes that equip your people with the knowledge and confidence to reduce risk and support secure operations.

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