‘Static’ Cyber Insurance refers to traditional policies arranged through a proposal form. The insurer assesses your cyber risk based on the information provided at the time of application. Once the policy is issued, there is no ongoing monitoring or updates unless changes are made at renewal.

‘Active’ Cyber Insurance works differently. These policies include ongoing monitoring tools, such as vulnerability scanning and real-time threat detection. The insurer may provide software or access to a dashboard that helps you manage cyber risk continuously. Some policies even adjust pricing or coverage based on your security posture throughout the year.

The key difference is that active cyber policies are more interactive and risk-aware, while static policies rely on a one-time snapshot of your risk profile.

If you’re unsure which type of policy suits your business, contact us and we can help you assess your needs.