Cyber Insurers Are Not Your Friend – Why a Warranty May Be a Better Option

The article argues that cyber insurers are increasingly costly and restrictive—due to rising premiums, complex exclusions, and mandated response vendors—and promotes a warranty-backed model, exemplified by CHECKLIGHT’s endpoint security warranty (up to $250,000 for missed notifications), as a more transparent, aligned alternative. It advocates a multi-faceted cybersecurity posture emphasizing prevention, detection, and response, positioning warranties as financial assurance that complements continuous endpoint monitoring and robust security controls.