Identity Cyber Scores: The New Metric Shaping Cyber Insurance in 2026

The article explains that insurers are increasingly basing cyber underwriting on identity posture—focusing on password hygiene, privileged access management, and comprehensive MFA coverage—and describes common risks (password reuse, legacy authentication, dormant/service accounts, shared admin credentials, and over‑privileged accounts). It provides four practical steps organizations can take to demonstrate improved identity security to insurers: eliminate weak/shared passwords, enforce MFA across critical access, reduce permanent privileged access, and regularly review and certify permissions.