From the insurer\u2019s perspective, the equation is straightforward:<\/p>\n\n\n\n
No proactive cyber defenses = greater risk of data loss.<\/em><\/strong> So, if there is no action to protect data and cloud services from the organization’s side, the insurance company will limit or even deny coverage. It\u2019s important to remember that cyber insurance is financial recovery and not data recovery. A tested incident response plan<\/a>, along with cyber threat protection and data backup, supports business continuity and helps secure sensitive data.<\/p>\n\n\n\n New sophisticated cyber threats emerge every day, so the importance of cyber insurance keeps growing, too. While not every attack can be prevented, organizations should proactively leverage security measures such as multi-factor authentication, backup, and disaster recovery. Such data protection strategies are a huge part of any reliable risk management plan. This means stronger data security and better cyber insurance eligibility. Reliable cybersecurity measures decrease the risk of data loss<\/a>, while cyber insurance supports the financial side of dealing with cyber threats.<\/p>\n\n\n\n Top 3 risks in DevOps<\/a>:<\/p>\n\n\n\n Source:<\/em> Hacker News<\/em><\/a><\/p>\n\n\n\n Implementing cyber insurance used to be simple; however, given the current threat landscape, companies must demonstrate a range of strong cybersecurity measures to get approved for coverage. In order to qualify for an insurance policy, you shall introduce the controls that the insurer requires.<\/p>\n\n\n\n Insurers, similarly to regulations, demand evidence of concrete safeguards like MFA, IAM, security training, and reliable data backups with flexible recovery. Coalition<\/a> (a major cyber insurer) has stated the following in regards to the requirement of secure backup<\/a>s:<\/p>\n\n\n\n Maintain good data backups<\/em><\/p>\n\n\n\n A good data backup can mean the difference between a complete loss or a full recovery after a cyber attack. Maintaining data backups may also be a recommendation for your cyber insurance policy, depending on your organization\u2019s data. <\/em><\/p>\n\n\n\n Redundancy is critical in a good backup strategy. Businesses should use both on- and off-site backups for storing essential data. It’s critical that at least one form of backup be stored completely separate from the primary network, such as in an external drive or tape. Store one copy on an off-site device, like a cloud server. <\/em><\/p>\n\n\n\n Test your backups by frequently conducting a full recovery. All too often, organizations only test their backups when they need them, and find out that their restoration has failed or backups were inadequate. In the case of increasingly common ransomware attacks, backups are the key determinant of whether a ransom payment is made or not. Without backups, a business is at the mercy of threat actors<\/em><\/p>\n<\/blockquote>\n\n\n\n At the same time, regulated organizations are still legally required to implement secure backups and DR. This includes NIS2 and Article 21<\/a>, which mandates: <\/p>\n\n\n\n protect network and information systems and the physical environment of those systems from incidents, and (…) include at least the following: (…) business continuity, such as backup management and disaster recovery, and crisis management<\/em><\/p>\n<\/blockquote>\n\n\n\n DORA (Digital Operational Resilience Act) in Article 11<\/a> states that:<\/p>\n\n\n\n financial entities, other than microenterprises, shall include in the testing plans scenarios of cyber-attacks and switchovers between the primary ICT infrastructure and the redundant capacity, backups, and redundant facilities necessary to meet the obligations set out in Article 12<\/em><\/p>\n<\/blockquote>\n\n\n\n Then, Article 12<\/a> outlines the required backup policies, procedures, restore, and recovery processes along with correct methods. Shortly put, financial entities must implement redundant data backup, which aligns with what insurers expect for cyber insurance eligibility.<\/p>\n\n\n\n Since regulations demand immutable backups and disaster recovery, insurers see them as a baseline for eligibility. Even outside of highly regulated sectors, data theft is common, so controls like MFA and immutable cloud backups are necessary to qualify<\/a> and avoid restrictions. Now, verified compliance with the set out backup and DR obligations ensures data integrity, fewer irreversible losses, shorter to no outages, and significantly reduces payout probability. This makes backup and disaster recovery a crucial aspect of cyber insurance.<\/p>\n\n\n\n Every reliable incident response plan relies on regular backups, recovery solutions, proper risk assessment, and an organized incident response team. Recovery Time Objective (RTO), establishes acceptable downtime, while Recovery Point Objective (RPO) measures acceptable data loss. Shorter RTO and RPO<\/a> show insurers that a company can restore operations quickly with minimal data loss. This is especially true for highly regulated industries such as healthcare, government, and financial services. As stated by Cyber Insurance Academy<\/a>, when it comes to RTO and RPO, cyber insurance professionals are advised to verify if the following have been considered by the insured:<\/p>\n\n\n\n Carefully optimized RTO and RPO metrics supported by reliable data backup and an incident response plan mean greater eligibility for cyber insurance and better terms for policies. Make sure to minimize downtime and to avoid potential future incidents, always carry out a post-incident review.<\/p>\n\n\n\n Most SaaS providers operate under the Shared Responsibility Model<\/a>, which essentially establishes that the user is responsible for their data<\/a>, while the providers\u2019 duty is the underlying infrastructure. For instance, take a look at GitHub\u2019s terms of service in terms of account security:<\/p>\n\n\n Source:<\/em> GitHub Terms of Service<\/em><\/a> <\/em><\/p>\n\n\n\n Insurers recognize this division of responsibility, so they will check if the Shared Responsibility Model is addressed. Make sure to implement strong data security measures and consider the potential risks. It is your duty to protect your confidential data, deal with compromised user accounts, detect any unusual behavior, and prevent potentially infected systems from doing any further damage. Now, third-party backup and recovery strategies fall under your duties within this model. GitLab refers to data backup and recovery in its documentation and states the following:<\/p>\n\n\n Source: GitLab Docs<\/a><\/p>\n\n\n\n For an in-depth guide on how to back up your GitLab data securely, check out The Ultimate Guide to GitLab Backup<\/a>.<\/p>\n\n\n\n Service providers advise their users to implement third-party backup and disaster recovery strategies, and again, insurers are aware of this, so it is essential to implement cybersecurity measures addressing the Shared Responsibility Model.<\/p>\n\n\n\n \ud83d\udc49 Looking for cloud backup solutions? Be sure to visit: <\/strong>11 SaaS Backup Solutions And Tools To Keep Your Data Safe<\/strong><\/a><\/p>\n\n\n\n To address the risks and the increasing requirements of DevSecOps, insurers demand a reliable backup and incident response plan. Data backup and recovery serve as the last line of defense against data loss, corruption, and cyber threats. In terms of third-party backup & DR, organizations must demonstrate effectiveness and be audit-ready. A strong data backup strategy minimizes downtime, protecting against financial loss and maintaining customer trust.<\/p>\n\n\n\n The key security features and functionalities of comprehensive solutions like GitProtect.io<\/a>, that ensure compliance and cyber insurance eligibility, include:<\/p>\n\n\n\n By guaranteeing your sensitive data is backed up and implementing data retention policies<\/a>, you can swiftly recover from any cybersecurity incident and get back to your primary objectives. Even in the face of accidental deletions, service outages, or ransomware attacks, you should be able to access and restore your data in accordance with your incident response plan and the RTO & RPO metrics. Providers should store backups in secure locations to avoid revealing sensitive information. This proves to the insurer that your data is secure, operations are compliant, and your company can be considered as low-risk.<\/p>\n\n\n\n Looking to improve your cyber security eligibility with strong backup and recovery? <\/p>\n","protected":false},"excerpt":{"rendered":" As the rate of ransomware attacks keeps growing, the demand for cyber insurance is also greater. The State of Ransomware 2025 report by Sophos outlines that nearly 50% of companies in the report paid ransom. This underscores the need for stronger security measures \u2014 not only for data protection but also for cyber insurance eligibility. Since risk reduction improves eligibility, here are five key requirements for cyber insurance eligibility: From the insurer\u2019s perspective, the equation is straightforward: No proactive cyber defenses = greater risk of data loss.Greater risk of data loss = greater likelihood of an insurance payout. So, if […]<\/p>\n","protected":false},"author":12,"featured_media":7749,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,3,70],"tags":[],"class_list":["post-7747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-git-backup-101","category-github","category-gitlab","post--single"],"yoast_head":"\n
Greater risk of data loss = greater likelihood of an insurance payout.<\/em><\/strong><\/p>\n\n\n\nCyber insurance and data loss<\/strong><\/h2>\n\n\n\n
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![\"Quarter](\"https:\/\/gitprotect.io\/blog\/wp-content\/uploads\/2025\/11\/image-2.png\")
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Compliance in the context of cyber insurance<\/strong><\/h2>\n\n\n\n
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The importance of backup & data recovery in cyber insurance eligibility <\/strong><\/h2>\n\n\n\n
Why RTO & RPO metrics matter<\/strong><\/h3>\n\n\n\n
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Shared Responsibility Model <\/strong><\/h3>\n\n\n\n
![\"GitHub\u2019s](\"https:\/\/gitprotect.io\/blog\/wp-content\/uploads\/2025\/11\/image-1.png\")
<\/figure><\/div>\n\n\n![\"GitLab](\"https:\/\/gitprotect.io\/blog\/wp-content\/uploads\/2025\/11\/image-3.png\")
<\/figure><\/div>\n\n\nBackup and recovery features insurers look for <\/strong><\/h2>\n\n\n\n
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\u2192 [READ MORE] DevOps Backup Best Practices To Keep Your Data 100% Safe<\/a> \ud83c\udf93
\u2192 [FREE TRIAL] Take A Leading DevOps Backup Tool For A Spin – Free 14-day trial<\/a> \ud83d\ude80<\/strong><\/p>\n\n\n\n