MFA Warranty & Rescission-Risk Checker
A cyber-insurance application is not a survey — it is a set of warranties. If a statement you signed turns out to be inaccurate, the insurer can rescind the policy or deny the claim for material misrepresentation — and this has happened in real, litigated cases, most famously over MFA. Mark how confidently each common attestation is actually true, and see where your coverage is quietly at risk. Educational only — not legal or insurance advice, and not any specific carrier’s form.
Answer honestly — an honest "exceptions" or "unsure" now is recoverable; an inaccurate signed "yes" is not.
What this checker does
- A cyber-insurance application is a set of warranties, not a survey — if a statement you signed is inaccurate, the insurer can rescind the policy or deny the claim for material misrepresentation.
- Mark how confidently each common attestation (MFA everywhere, EDR, tested backups, no EOL/open-RDP, prior-incident disclosure, known vulnerabilities) is actually true and evidenced.
- Get a rescission-risk read plus, for each shaky attestation, why it is dangerous and how to evidence or disclose it before you sign.
- Educational only — not legal or insurance advice, and not any specific carrier’s form. Everything runs in your browser.
Why this matters
Teams obsess over getting a quote and barely re-read the application they signed to get it. But the application is where coverage is quietly won or lost: it is incorporated into the policy, and its answers are warranties. The now-infamous lesson is MFA — carriers have moved to rescind or deny when a post-breach forensic review showed MFA was not actually enforced the way the application said. The same logic applies to EDR coverage, tested backups, exposed systems, and undisclosed prior incidents.
This checker makes you confront each attestation before you sign, while an honest correction still costs nothing. It is educational and not legal or insurance advice — complete the real application with your broker and, where it matters, your counsel.
Frequently asked questions
Can an insurer deny a cyber claim because of the application?
Yes. Most cyber-insurance applications are incorporated into the policy as warranties or representations, which means the answers must be accurate. If a material answer turns out to be false — the most cited example is attesting that multi-factor authentication was enforced everywhere when it was not — the insurer may rescind the policy (treat it as void from the start) or deny the specific claim for material misrepresentation. There have been real, litigated disputes on exactly this point. The application is one of the most consequential documents you sign, and it is signed by someone who warrants its accuracy.
What is the difference between a warranty and a representation on an application?
Loosely: a representation is a statement of fact that must be true when made and material to the risk; a warranty is a promise that must be strictly complied with and can allow the insurer to avoid the policy if breached, sometimes regardless of materiality or connection to the loss. The exact treatment depends on the policy wording and jurisdiction, but the practical lesson is the same: answer every question accurately, disclose exceptions, and keep evidence. This tool flags where your answers are not fully defensible so you can fix them before signing rather than litigate them after a loss.
What should I do if a control is only partly in place?
Disclose it rather than round up to "yes". If MFA covers 95% of accounts with documented exceptions for a handful of legacy service accounts, say exactly that in the application — an accurate, qualified answer is defensible; a blanket "yes" that is 95% true is a misrepresentation waiting to be found at claim time. Underwriters can still quote with the exception noted or attach a subjectivity; what they cannot do fairly is price a risk you described inaccurately. Keep the evidence (coverage reports, scan results, restore-test dates) with the signed application.
Is this a specific insurer’s application?
No. It is an illustrative, educational model of the attestations that commonly appear on cyber-insurance applications and that carry the most rescission risk if inaccurate. It is not any particular carrier’s form and it is not legal or insurance advice. Use it to pressure-test your own answers and to decide what to evidence or disclose, then complete the real application carefully with your broker and, where the stakes warrant, your counsel.
This tool is free and always will be. Would a Pro workspace — saved designs, team sharing and exports — be worth paying for?
Show me Pro →No account needed to use this tool — this just tells us whether Pro is worth building out.