While everyone else is teaching you how to avoid the breach or pass the audit, Cybantage is the firm that has been in the room when the claim was denied — and when everything that follows began. Working through claim denials, standing with executives facing board inquiries, regulatory scrutiny, and personal financial exposure. We do that work now. Before the breach occurs.
These are different tests. They produce different verdicts. The gap between them is where 40% of cyber insurance claims are lost — and where organizations fail to survive breaches they were certain they were prepared for.
SOC 2 attests that controls were suitably designed. HITRUST certifies control maturity above threshold. Neither tests whether those controls hold under actual attack. The $3.09 billion Change Healthcare breach occurred while the organization held active HITRUST r2 certification.
In most regulated organizations, security has been delegated to IT. IT governance optimizes for uptime and compliance output. Adversarial security requires modeling how an attacker operates as a legitimate user inside your systems. Email and network servers — both identity-dependent — account for 88% of breach entry points.
Cyber insurance is a financial instrument with specific performance conditions — not a security instrument. 40–44% of claims are denied or partially paid. 98% of those claims originate from organizations under $2B revenue. A denied claim combined with full breach economics is frequently not a setback. It's an extinction event.
Nation-state attack exclusions (Lloyd's 2023 mandate), third-party coverage gaps, and systemic event exclusions represent 20–30% of all claim denials. These are not claimant-side failures. No security investment resolves them. Only policy review with qualified counsel does. Most organizations have never had that conversation.
"We have been in the room after the breach — claim denials, board inquiries, the personal financial exposure that no policy covers. The CCSF is what we built from that experience. We now do that work before it happens."Rod Andes · Founder, Cybantage
Five stages. Universal forensic logic. Industry-adaptive regulatory mapping. Each stage's output is the next stage's input — and the framework writes its own statement of work at every transition.
34 question, 10-domain scoring instrument. Free assessment. Optional analysis debrief. Measures both claimant-side and insurer-side denial risk.
Dual-track leadership assessment recommended under attorney-client privilege. CAE analysis. LDI Report. Names what leadership doesn't know they don't know.
Legal protection record. Domain 10 policy review with insurance counsel. Board package. The evidentiary document executives need before a breach.
LDI-informed forensic verification of all 10 domains. Tests whether controls actually protect — using the same standard a carrier's investigator will apply.
Full resilience program build. Quarterly re-score. Annual LDI cycle. Sustained through every policy renewal cycle.
Addressable through security investment. This is what every other security firm addresses. These failures account for approximately 60–70% of claim denials.
NOT addressable through security investment. Only policy review, legal counsel, endorsements, or supplemental coverage resolves these gaps.
The Cyber Insurance Survivability Index puts a structured, evidence-based score on the one question boards and CFOs haven't been able to answer — until now. Free assessment. Optional analysis debrief. Immediate results.
Every Cybantage process has a published research antecedent. The research identifies the problem, defines the mechanism, and establishes the standard. Processes are the applied implementation.
1,478 providers and business associates. Major breaches. January 2023–February 2026. 31.3% closed or sold post-breach. Survivability determined by program infrastructure, not breach size. Introduces the HBSI framework.
Read the Research →The foundational CISI Discussion Paper. Two-dimensional claim denial framework. Forensic weighting methodology. Company-size claim outcome data. Change Healthcare and Stryker case studies. The academic basis for Compliant ≠ Defensible.
Download the Paper →The three assumptions that fail under forensic conditions. The accurate cyber risk register entry most CFOs don't have. The six questions your board should be asking — and one critical insurer-side question most boards have never heard.
Download the Whitepaper →Whether you're a regulated industry organization, an advisory firm considering the CCSF licensing program, or managing a portfolio with healthcare or financial services exposure — choose the conversation that fits your situation.
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CISI Introduction · Your score and findings on screen before we begin
Cybantage Affiliate Licensing Program · 30 minutes · Fit assessment, economics overview, and territory discussion
Cybantage Portfolio Program / VC-PE Conversation · 30 minutes · Portfolio composition, exposure profile, and program structure