S3 EP 05 Insured or Exposed? The Truth About Cyber Insurance in 2025

Cyber insurance has evolved—have you kept up?

In this episode, we reconnect with Joseph Cook from The Arizona Group for an in-depth look at how cyber liability insurance has changed over the past two years. From rising claim costs to policy exclusions and shifting underwriting standards, we unpack what business leaders need to know to stay covered—and stay ahead.

We dive into:

• How cyber insurance conversations have shifted since 2023
• Why many businesses still misunderstand what’s actually covered
• The growing list of requirements and what insurers expect in 2025
• The fine print: exclusions, clauses, and claims timing
• How to align your cybersecurity posture with your policy terms

Whether you're renewing soon or reconsidering your entire strategy, this episode serves as your crash course in navigating today’s cyber insurance.

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Host by:
Scott Kreisberg - CEO & Founder of One Step

Produced by One Step Secure IT

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Chapters

• 0:56 How has the conversation around cyber liability insurance evolved over the past two years?
• 3:44 Have businesses become more proactive in integrating cybersecurity measures with their insurance policies, or are they still playing catch-up?
• 6:00 What are the biggest misconceptions businesses still have about cyber insurance in 2025?
• 8:58 Have the terms and conditions of cyber insurance policies shifted in response to the rising costs of cyber claims?
• 11:36 Have new coverage options or limitations emerged as a result of evolving cyber threats (e.g., ransomware, data breaches, supply chain attacks)?
• 15:40 What do businesses need to know about policy exclusions or clauses that have become more prevalent in the current insurance environment?
• 18:30 If something happens, does it matter how quickly you submit a claim?
• 19:45 When it comes to cyber insurance in 2025, what should businesses know about changes to coverage limits and exclusions?
• 21:54 Are businesses facing more requirements now when applying for cyber liability coverage?
• 23:21 Are there any coverage exclusions that might catch businesses off guard in 2025?
• 25:18 With cyber threats evolving, how often should businesses be reassessing their cyber insurance policies and cybersecurity posture?