Cyber Threats Are Complex; Your Insurance Shouldn’t Be - Let NSP Simplify It. 

Cyber insurance is now a core requirement for many New Zealand businesses. Whether it’s driven by board directives, client expectations, or internal risk strategy, the need is clear, but the process? Not so much. 

What used to be a simple tick-box exercise has become something more technical, more detailed, and more confusing. Here's what we see most often: businesses answer "yes" on the application because they think they have MFA, backups, or monitoring in place. Then something happens, the insurer audits and suddenly "yes" needs to be "yes, and here's the proof." That gap - between what you claimed and what you can demonstrate - is where claims get rejected. 

At NSP, we clear up the confusion. 

We simplify the process, bring clarity to the complexity, and help you focus on what matters - reducing real cyber risk. 

Cyber Insurance Doesn’t Have to Be Complex - Not When NSP Has Your Back 

Yes, compliance still matters. Insurers want to see the fundamentals: antivirus, backups, MFA, and documented policies. These are the minimum requirements, and you need to meet them.   

But increasingly, insurers are asking tougher, more specific questions: 

• Can you detect a breach quickly? 

• Do you have active monitoring in place? 

• Is there a tested response plan ready to go? 

It’s no longer enough to say “we have the tools.” Insurers want to see that those tools are actually working, and that you know how to respond when it counts. 

The Question Most NZ Businesses Can't Answer:

"Can you prove your backups work?"

Not "do you have backups?" - insurers assume you do. The real question is: can you show logs of successful test restores? Do you have documentation of the last time you actually recovered from backup?

If the answer is "I think so" or "IT handles that," you have a documentation gap. And documentation gaps become coverage gaps when you file a claim.

Compliance helps you qualify, risk mitigation helps you recover and NSP helps you do both. 

Most businesses don't realise their insurance is at risk until they file a claim and discover their answers didn't match reality. By then, it's too late to fix. We help you validate before submission, so there are no surprises when it matters.

Smarter Cyber Insurance Starts with NSP 

We partner with businesses and brokers to make the insurance process smooth, accurate, and stress-free. Our team works directly with you to bridge the gap between what the insurer is asking, and what’s actually happening in your environment. 

We offer three flexible service options based on how much support you need: 

 1.Application Walkthrough

A step-by-step review of your cyber insurance application. We explain each question, clarify what insurers are really asking, and help you craft clear, confident responses. 

Ideal for: businesses with good internal IT but limited insurance experience. 

2. Walkthrough + Control Verification

We guide you through the application and technically validate your answers. No assumptions, no guesswork. Just real, provable alignment between what’s claimed and what’s in place. 

Ideal for: businesses wanting to reduce risk and ensure accuracy before submission. 

3. End-to-End Management

We handle everything, from completing the application and assessing your environment, to implementing missing controls and helping you submit with confidence. 

Ideal for: time-sensitive teams, complex environments, or high-value coverage needs. 

What We Actually Validate (And Why It Matters)

When we say "control verification," here's what that means in practice:

MFA: Not just "is it turned on?" - but who has it, where it's enforced, and whether it covers admin accounts and remote access.

Backups: Not just "do they exist?" - but can you restore from them, how often are they tested, and are they isolated from your network?

Monitoring: Not just "do you have antivirus?" - but can you detect lateral movement, how quickly can you identify a breach, and who gets alerted?

These aren't technical nitpicks. They're the questions insurers ask when assessing a claim. If your application says "yes" but your environment says "sort of," that's a problem we help you fix before it costs you coverage.

We Don’t Just Help You Get Insured, We Help You Stay Secure. 

Many providers stop at the application. We go further, because cyber insurance is only one part of managing risk. 

NSP helps you build a security posture that works every day, not just on paper.  

That includes: 

• 24/7 Managed Detection and Response (MDR) to detect and contain threats fast 

• vCISO advisory to align security with business strategy 

• Incident response planning to keep teams ready for real-world scenarios 

• Ongoing security assessments to stay compliant and protected 

Our clients don’t just meet the minimum, they’re proactive, prepared, and protected. The real question isn't "do we have insurance?" It's "if we filed a claim tomorrow, would our policy hold up?" Most businesses don't know the answer until they test it, or worse, until they need it.

For Brokers: Make Cyber Insurance Easier for Everyone 

We also work closely with cyber insurance brokers who are navigating increasingly complex client needs. 

The reality is: most brokers don’t want to decode technical forms, and clients don’t always understand what’s being asked. You’re stuck in the middle and when a client's claim gets rejected because their controls didn't match their application, it's your relationship at risk. We take that pressure off by making sure submissions are technically accurate before they reach the insurer.

We support you by working directly with your clients, explaining technical language, validating their answers, and giving you peace of mind that the submission is credible and complete. 

Here’s what brokers get when partnering with NSP: 

• Less back and forth. We work directly with clients so you don’t have to chase them for technical detail. 

• Clearer, stronger submissions. No more guesswork or vague answers, just accurate, verified responses. 

• Faster turnarounds. Our process speeds up submissions and improves insurer confidence. 

• Added value. You become the broker who goes the extra mile, without needing to be the security expert. 

You don’t need to have all the answers. 
You just need a partner who does; that’s us. 

What Happens If You Skip the Validation Step?

Nothing. At first.

You'll submit your application, probably get approved, and feel covered. The problem surfaces later, when you file a claim and the insurer asks for evidence of the controls you confirmed.

That's when you discover:

• Your MFA wasn't actually enforced on all admin accounts

• Your last backup test was 18 months ago

• Your "monitoring" was just antivirus, not active threat detection

Insurers don't audit before they approve. They audit before they pay out. By then, gaps cost you coverage, not just premium adjustments.

We validate now so you're protected when it matters.

Your Insurance Is Only as Good as What You Can Prove

Cyber insurance isn't just about having the right answers on an application. It's about being able to back those answers up when a claim is on the line.

Most NZ businesses find out their coverage has gaps when it's too late to fix them. We help you find those gaps now - before you submit, before renewal, and definitely before you need to file a claim.

If you're applying for cyber insurance: Don't guess whether your controls match your answers. Let us validate what's actually in place, identify what needs fixing, and help you submit with confidence.

If you're renewing and things have changed: Requirements shift, your environment changes and the controls that qualified you last year might not cut it this year. We'll confirm you're still covered.

If you already have insurance but aren't sure it would hold up: You're not alone. Most businesses haven't tested whether their claims would actually pay out. We can help you confirm that before you need to find out the hard way.

Ready to validate your coverage?

We'll review your current controls against your policy requirements, identify gaps that could affect claims, and help you fix them before they become expensive problems.