Executive Summary: Aging hardware is no longer just an IT budget concern; it is a direct security, regulatory, and insurance liability that can undermine incident defensibility and business continuity. Leaders who continue operating end-of-life devices are effectively accepting higher breach probability and a shrinking margin of error with regulators, insurers, and customers.

Key Takeaways

• End-of-life hardware creates a permanent “hardware security gap” that software patches and endpoint agents cannot close.
• Attackers, including nation-state groups, actively target outdated edge devices such as routers and firewalls because they are easy, high-impact entry points.
• Regulators and cyber insurers are moving toward zero tolerance for unsupported infrastructure, especially in internet-facing roles.
• Hardware technical debt directly affects legal defensibility, audit outcomes, and cyber insurance terms after a security incident.
• A structured hardware lifecycle strategy—prioritizing edge devices, visibility, and replacement timelines—is now a core element of enterprise risk management.

The Hardware Security Gap

Most organizations invest heavily in software patching, endpoint agents, and monitoring tools, assuming that diligent updates will keep systems secure. That assumption breaks down when the underlying hardware is too old to support modern protections. There is a growing “hardware security gap” between what today’s threat landscape demands and what aging infrastructure is capable of delivering.

Legacy servers, workstations, laptops, routers, and firewalls often lack hardware-based capabilities that are now considered foundational in security architecture. Examples include:

• Trusted Platform Modules (TPM) and hardware-backed key storage for secure credential and certificate handling.
• Secure Boot and measured boot to prevent unauthorized firmware, bootloaders, or kernel tampering.
• Hardware-enforced isolation for cryptographic operations and sensitive workloads, reducing the impact of memory-based exploits.
• Modern CPU protections that mitigate entire classes of speculative execution and side-channel attacks.

Older devices either do not support these features at all or implement early-generation versions that no longer meet current standards. No software patch can retrofit missing security silicon. At best, security teams attempt to compensate with compensating controls around these systems—network segmentation, restrictive access, and heavy monitoring. At worst, aging devices are treated as equivalent to newer ones and remain in production with unaddressed structural weaknesses.

The gap widens further when vendors declare products end-of-life (EOL) or end-of-support (EOS). Once a device leaves the support window, firmware and driver updates stop. Any new vulnerabilities discovered in that hardware remain permanently exploitable. Over time, the organization accumulates “hardware technical debt”: devices that can no longer be brought up to an acceptable baseline but still power critical workloads because replacement feels disruptive or expensive.

Technical Debt as a Security and Business Risk

Technical debt is often discussed in software terms, but aging hardware is one of the most tangible forms of debt in the IT stack. Every year that infrastructure runs beyond its supported lifecycle, several risk dimensions increase simultaneously:

• Attack surface expansion: Publicly documented vulnerabilities continue to grow while patches cease, giving adversaries a stable set of known weaknesses.
• Visibility limitations: Older systems may not integrate cleanly with modern logging, telemetry, and endpoint detection platforms, creating blind spots in threat detection.
• Configuration drift: Long-lived systems often accumulate exceptions, ad-hoc changes, and untracked modifications that diverge from policy and are hard to audit.
• Operational fragility: Hardware failure rates increase with age, impacting uptime, recovery plans, and service-level commitments.

From a leadership perspective, this is not simply an infrastructure issue. Hardware technical debt directly influences cyber insurance terms, regulatory posture, and exposure in post-incident investigations. When a breach path is traced back to an end-of-life firewall or unsupported server, it becomes difficult to argue that “reasonable security” was in place, especially if the risk had been noted in prior assessments.

Nation-State Targets and the Risk at the Edge

While any outdated device is a concern, aging “edge devices” present a particularly attractive target for sophisticated attackers. Routers, VPN concentrators, firewalls, and other perimeter appliances sit at critical choke points between internal networks and the internet. When those devices are old, unpatched, or beyond support, they often become the easiest—and most impactful—entry point.

Nation-state actors and organized criminal groups actively scan for specific hardware models and firmware versions known to contain exploitable vulnerabilities. Once an edge device is compromised, attackers can:

• Intercept or redirect traffic for credential harvesting and session hijacking.
• Pivot deeper into internal systems with elevated privileges.
• Install persistent backdoors that survive simple reboots or configuration resets.
• Use compromised infrastructure as a staging point for further campaigns.

Older routers and firewalls are often overlooked because they “still work,” but they may be running firmware that has not been updated in years—or cannot be updated at all. In some environments, these devices predate current encryption standards, logging practices, or VPN expectations, yet they continue to protect sensitive systems and data. For adversaries, this combination of critical placement and weak defenses is ideal.

The Regulatory Reality: Zero Tolerance for End-of-Life Hardware

Regulators and government agencies have begun formalizing what security practitioners have known for years: end-of-support hardware is incompatible with a modern cyber risk posture. This is no longer just an IT recommendation; it is rapidly becoming a regulatory benchmark.

In February 2026, the Cybersecurity and Infrastructure Security Agency (CISA) issued Binding Operational Directive 26-02, which mandates the removal of end-of-support edge devices across federal networks. The directive, focused on mitigating risk from end-of-support edge devices, underscores that hardware with no ongoing vendor support poses a “substantial and constant threat” to critical infrastructure. For private-sector executives, this directive functions as a clear warning: if the federal government considers aging edge hardware unacceptable for national security systems, those same devices are almost certainly the weakest link in corporate environments as well.

In parallel, cyber insurance carriers are tightening underwriting standards. Questionnaires increasingly ask about end-of-life operating systems and hardware, patch management coverage, and refresh practices. Organizations that rely on EOL devices, particularly at the edge, may face higher premiums, exclusions for certain types of incidents, or outright denial of coverage. From the insurer’s perspective, knowingly running unsupported devices looks less like unfortunate risk and more like a preventable exposure.

Regulated industries—such as healthcare, financial services, and legal—face additional pressure. Auditors and examiners are increasingly willing to view outdated infrastructure as a control deficiency, especially when combined with sensitive data or public-facing services. In this context, aging hardware is not just a technical artifact; it is an indicator of governance maturity.

Liability and Defensibility After an Incident

When a major security incident occurs, internal investigations and third-party forensics attempt to reconstruct what happened, how the attacker moved, and which controls failed. If a breach is traced back to an EOL router, firewall, or server, questions emerge quickly:

• Was the device flagged in prior risk assessments or vulnerability scans?
• Did leadership understand that it was beyond support and unpatchable?
• Were there documented plans or timelines to replace it?
• Were any compensating controls in place—and were they adequate?

Answers to these questions shape regulatory findings, legal exposure, and the organization’s reputation with stakeholders. Continuing to operate aging hardware, particularly when alternatives are available, can be interpreted as a conscious decision to accept elevated risk. That decision becomes harder to defend as industry guidance, insurance expectations, and government directives all converge on a single point: unsupported hardware is incompatible with a defensible security posture.

Strategic Mitigation: Treating Hardware as a Risk Asset

Addressing aging hardware risk does not necessarily require wholesale, immediate replacement of the entire infrastructure. It does require treating hardware explicitly as a risk asset and prioritizing change where security and operational impact are highest.

Practical steps include:

• Creating a living inventory: Maintain an accurate inventory of hardware with model numbers, roles, locations, and vendor support status, including EOL/EOS dates.
• Prioritizing edge and high-impact systems: Focus first on internet-facing gateways, VPN appliances, firewalls, and systems that hold or process regulated data.
• Aligning refresh with security milestones: Rather than using a generic “three-year rule,” align refresh decisions with major security changes—such as adopting zero trust principles or modern identity platforms.
• Using compensating controls carefully: Where immediate replacement is not possible, implement segmentation, strict access rules, and enhanced monitoring around older systems—but treat these measures as temporary.
• Documenting decisions: Record risk acceptance, interim controls, and planned timelines for retirement to strengthen defensibility.

As organizations modernize, many partner with managed security and IT providers to implement and monitor these controls. Services such as Security+ can support this strategy by helping standardize security baselines, monitor critical systems, and enforce consistent configurations across newer and legacy environments. The objective is not to outsource accountability, but to improve execution quality and visibility across the hardware lifecycle.

Aligning Hardware Strategy with Long-Term Business Goals

Ultimately, the question is not whether hardware will age out of support—it is how intentionally the organization manages that lifecycle. A hardware strategy that is driven only by failure events and last-minute upgrades will inevitably accumulate risk, consume emergency budget, and strain operational teams. A strategy that integrates lifecycle planning, risk assessment, and security baselines into capital planning is far more compatible with long-term business goals.

For executive teams, aging hardware should be viewed in the same category as outdated contracts or uninsured liabilities: a known exposure that requires structured remediation. Treating infrastructure decisions as part of the broader risk and governance agenda helps ensure that technology does not quietly erode the organization’s security posture from within.

The threat landscape will continue to evolve, and attackers will continue to search for easy, well-documented vulnerabilities. End-of-life hardware offers exactly that. Reducing reliance on unsupported equipment, particularly at the edge, is one of the most direct ways to lower breach probability, improve insurance positioning, and demonstrate to regulators that security is being managed as a strategic business priority—not as an afterthought.

By Thomas McDonald

IT planning is no longer a back-office function—it’s a leadership priority. As we approach 2026, business leaders must think beyond daily operations and start preparing their technology strategy for the challenges and opportunities ahead. From cybersecurity pressure to evolving workforce models, the pace of change is accelerating—and the decisions made today will determine how resilient, secure, and scalable your organization is tomorrow.

Strategic IT planning isn’t just about choosing the right tools. It’s about aligning infrastructure, security, and support with long-term business goals. Whether you’re preparing for expansion, digital transformation, or simply aiming to reduce operational friction, understanding what’s coming next is critical.

Why Executive Involvement in IT Strategy Matters Now More Than Ever

For years, technology decisions were delegated to IT departments or vendors. But in 2026, success will hinge on leadership engagement. CEOs, COOs, and managing partners must take a hands-on role in shaping the IT roadmap—not only to drive efficiency but to manage risk, improve service delivery, and ensure continuity.

With hybrid teams, growing regulatory obligations, and constant cyber threats, the business implications of IT decisions are too significant to ignore. Strategic oversight helps ensure that investments in tools, services, and personnel are aligned with the company’s growth model—and that critical gaps in infrastructure, support, or security don’t go unnoticed until it’s too late.

1. Cybersecurity Is Now a Board-Level Issue

Cyberattacks have grown more sophisticated, more frequent, and more targeted. In response, regulators and insurance providers are tightening expectations around how organizations manage cyber risk. This shift is no longer limited to enterprise firms—mid-market companies and small businesses are increasingly under scrutiny.

As CISA, the U.S. Cybersecurity and Infrastructure Security Agency, emphasizes in its mission to protect the nation’s critical infrastructure, cybersecurity resilience must be built into every layer of an organization—from endpoint management and patching to email security and user behavior monitoring. Executive leaders are now expected to understand these risks and lead the cultural shift toward security accountability.

For businesses that don’t have an internal security team, partnering with a provider like Cost+ can close the gap. Our Security+ service equips businesses with real-time threat detection, policy enforcement, and compliance support—ensuring that leadership has visibility into the risks that matter.

2. Support Expectations Have Evolved

In a distributed world, technology needs to “just work”—whether employees are on-site, remote, or hybrid. Lagging support response times, inconsistent onboarding, and poorly integrated systems are more than inconveniences—they’re operational liabilities. As your team grows, so do the expectations for seamless, user-centric support.

Forward-looking IT leaders are moving away from reactive support models and toward proactive, scalable solutions that reduce downtime and improve productivity. Services like Support+ deliver exactly that—offering organizations a way to standardize user experiences, automate onboarding, and resolve issues before they impact performance.

In 2026, strong IT support will become a competitive advantage—not just for employee satisfaction, but for maintaining client deliverables, reducing internal friction, and protecting margins.

3. Compliance Pressure Is Escalating

More industries are now under formal compliance obligations—whether through HIPAA, GLBA, SOC 2, or new state-level privacy laws. What was once a healthcare or finance concern is now spreading across legal, education, insurance, and SMB sectors. Business leaders must understand that compliance isn’t a checkbox—it’s a continuous, evolving requirement.

Strategic IT planning in 2026 means baking compliance readiness into every system and workflow: from data handling and email security to access controls and documentation. If your infrastructure and IT policies aren’t mapped to a compliance framework, you’re at risk for audits, penalties, or lost business opportunities.

It also means selecting technology partners that understand regulatory landscapes and can provide the necessary documentation and controls. While not every business needs an in-house compliance officer, every leadership team needs a plan—and a partner who can help execute it.

4. Vendor Consolidation Is Picking Up Momentum

One of the most overlooked risks in IT is vendor sprawl. Many businesses rely on 6–10 different vendors for IT, cloud, phones, security, compliance, and email—and none of them talk to each other. This creates fragmentation, duplicated costs, inconsistent service levels, and compliance gaps.

In 2026, leaders will look to consolidate their vendor stack and streamline IT operations under a more unified model. The goal is to reduce overhead, improve integration, and ensure accountability. Choosing a partner that can deliver multiple services under one umbrella—like Cost+—simplifies reporting, support, and long-term planning.

5. Business Continuity Is Being Reframed as a Strategic Mandate

Business continuity used to live in the IT department as a set of backup processes. In today’s environment, it’s a board-level concern. Between cyberattacks, outages, and remote work dependencies, downtime has a measurable cost—and regulators expect businesses to demonstrate how they plan to stay operational during disruption.

This means leadership must be directly involved in setting recovery time objectives (RTO), evaluating backup infrastructure, and understanding disaster recovery workflows. The plans you set in 2026 could determine how your business handles its next crisis. Executive buy-in isn’t optional—it’s foundational.

6. Infrastructure Modernization Must Be Cost-Conscious

As cloud options expand and legacy tools age out, many businesses are planning migrations or upgrades. But jumping into modernization without cost modeling, integration planning, or proper testing can lead to budget overruns and team disruption.

Strategic IT planning in 2026 should include a full inventory of current systems, usage patterns, and long-term needs. The goal is not to chase trends—it’s to make infrastructure decisions that support the business for the next 5–10 years. This might mean hybrid cloud, zero-trust architecture, or better endpoint management—but it must be intentional and aligned with growth.

How Leadership Can Take Action Now

If you’re looking ahead to 2026, here are a few key actions leadership teams can take to ensure their IT planning is on track:

• Schedule a formal IT planning session with key department leads
• Review current IT support responsiveness, onboarding time, and user feedback
• Evaluate your current cybersecurity posture and vendor relationships
• Map internal systems to compliance frameworks (HIPAA, GLBA, etc.)
• Establish KPIs for IT performance that tie into business outcomes

The goal isn’t to become technical experts. It’s to ask the right questions, understand the risks, and guide the IT strategy in a way that supports your people, clients, and long-term vision.

Final Thought: Strategic IT Is Executive-Level Work

In 2026, IT leadership isn’t just about tools—it’s about vision. The smartest organizations are those where executives, department leads, and IT teams work together to build systems that are scalable, secure, and aligned with business goals.

By focusing on security, support, compliance, and infrastructure strategy, you give your business a foundation that won’t just survive disruption—it will thrive because of how prepared it is.

By Thomas McDonald

Operational efficiency is a priority for every business leader—but few recognize how often it’s undermined by technology issues. While organizations continue to invest in digital tools and cloud platforms, many still rely on outdated, reactive approaches to IT support. The result is a slow bleed of productivity and morale. This article explores how proactive IT support eliminates that friction and enables long-term performance across the organization.

Reactive IT: A Model That Slows You Down

Most businesses are familiar with the traditional IT support model: wait for a problem to occur, then open a ticket. While this approach may seem sufficient on the surface, it creates a constant cycle of disruption and delay. Employees are left waiting for resolution, managers are forced to shift resources unexpectedly, and leadership loses visibility into what’s really happening across systems.

This reactive model also creates a compounding effect. Small issues—such as delayed software updates, login errors, or hardware incompatibility—build over time and create bottlenecks across departments. When employees are slowed down by preventable IT problems, operational friction becomes a hidden cost that impacts overall business performance.

The Shift Toward Proactive IT

Proactive IT support is designed to prevent issues before they affect business operations. Rather than waiting for something to go wrong, a proactive partner monitors systems continuously, applies critical updates automatically, and resolves background issues before they escalate. This approach not only reduces the volume of support tickets, but it also allows internal teams to remain focused on strategic initiatives instead of reacting to daily interruptions.

For example, proactive IT support includes services like automated patch management, system health monitoring, and early detection of network anomalies. When paired with fast-response user support, this model creates a seamless technology experience across the organization. It also allows IT strategy to align with business goals, rather than constantly responding to short-term needs.

Why Operational Friction Matters at the Executive Level

Operational friction doesn’t just impact frontline employees—it affects leadership’s ability to drive growth. When workflows are repeatedly disrupted, it becomes difficult to launch new initiatives, maintain service levels, or meet performance benchmarks. Missed deadlines, inefficient collaboration, and staff frustration all stem from the same root cause: inadequate IT support.

Executives should consider proactive IT as an enabler of scale. Without reliable infrastructure and responsive service, business expansion becomes risky. New hires face onboarding delays, remote teams struggle with connectivity, and customer-facing platforms may be inconsistent or unreliable. In contrast, companies that invest in proactive support often experience smoother growth, stronger performance metrics, and higher employee retention.

Key Capabilities of a Proactive Support Model

Modern proactive IT support goes beyond simple help desk functions. It typically includes:

• System performance monitoring and predictive alerting
• Asset lifecycle management and device provisioning
• Proactive patching and security updates
• Strategic IT planning and infrastructure reviews
• User onboarding/offboarding automation

These services create operational consistency. Teams know their tools will work. New employees can start on day one without delays. Leadership can forecast IT needs based on data, not guesswork. Over time, this translates to stronger margins, better employee satisfaction, and lower long-term IT costs.

The Role of IT in Supporting Revenue Teams

Departments like sales, marketing, and customer service are often the most dependent on uninterrupted access to digital tools. CRM systems, phones, video conferencing, and shared cloud workspaces must be functional at all times. When IT issues interrupt these workflows, the result isn’t just inconvenience—it’s lost revenue.

Proactive IT ensures these teams stay operational by preventing issues behind the scenes. For instance, ensuring your VoIP phone systems are optimized for quality and uptime, or maintaining secure access to cloud-based collaboration tools, can make a measurable impact on daily performance.

Building IT Into the Growth Strategy

When evaluating business scalability, IT should be a core part of the conversation. Growth introduces complexity—more devices, more software, more users, more locations. Without a plan to manage and support that growth, IT becomes a constraint rather than a capability. Proactive support helps organizations stay ahead of that curve by establishing clear systems and processes early on.

This is especially important for industries with compliance requirements, remote workforces, or customer-facing platforms. Organizations that adopt proactive IT models can more easily adapt to regulatory changes, workforce shifts, and competitive pressures—all without compromising performance or security.

How Cost+ Supports Operational Efficiency

At Cost+, we’ve built our Support+ service specifically for businesses that value uptime, consistency, and long-term alignment. Our approach includes continuous monitoring, user-centric support, and infrastructure planning designed to reduce the friction that slows companies down.

By partnering with a single provider that understands your business, you eliminate fragmented support models and unnecessary vendor sprawl. Our team works as an extension of yours—proactively identifying risks, managing updates, and keeping your systems operating at peak performance so your people can focus on what matters most.

Conclusion: Reducing Friction Starts with IT

Proactive IT support is more than a technology upgrade—it’s a business strategy. It creates stability, reduces downtime, and frees up your team to focus on growth, not glitches. For leaders seeking greater operational efficiency, fewer disruptions, and a more scalable infrastructure, now is the time to reevaluate your IT model.

Let’s explore how Support+ from Cost+ can help your organization reduce friction and operate at full speed.

Microsoft 365 Copilot is being marketed as a game-changer for productivity—but business leaders shouldn’t enable it blindly. A strong microsoft copilot rollout strategy ensures the tool delivers measurable value without introducing unnecessary costs, risks, or compliance concerns. Before turning on a $30/month AI assistant across your organization, it’s critical to understand how Copilot fits your goals—and where it could go wrong.

What Is Microsoft Copilot?

Microsoft Copilot is an AI-powered assistant embedded across Microsoft 365 apps including Word, Excel, Outlook, Teams, and PowerPoint. It uses large language models and Microsoft Graph data to help users generate content, summarize emails, draft documents, and automate repetitive tasks. While it promises efficiency, the tool is only as smart—and secure—as the data and permissions behind it.

Why Copilot Demands a Rollout Strategy

Unlike standard software upgrades, Copilot touches everything: email, documents, meetings, and internal communications. With such deep integration, poor planning can lead to information leakage, overspending, or confusion among staff. This is not about turning on a feature—it’s about managing change and risk at the organizational level.

Risks of Enabling Copilot Prematurely

• Data exposure: If permissions aren’t properly scoped, Copilot could generate content from documents the user wasn’t meant to access.
• Licensing waste: Copilot licenses start at $30 per user/month. Unused or underused seats drive up operating costs quickly.
• Workflow disruption: AI-generated content can be inaccurate or misleading—especially in legal, financial, or regulated industries.
• Compliance uncertainty: Copilot leverages user data and third-party integrations. Without review, it may trigger conflicts with data retention or access policies.

Five Steps to Build a Smart Microsoft Copilot Rollout Strategy

1. Identify Business Use Cases

Don’t roll out Copilot just because it’s available. Start by identifying departments or roles that benefit from summarization, automation, or AI-driven drafting. Common candidates include marketing, HR, and customer service—not finance or legal, where accuracy and regulatory constraints demand tighter oversight.

2. Map Licensing Carefully

With a premium price point, Copilot should be assigned strategically. Consider starting with a small pilot group—perhaps 10 to 25 users—then evaluate usage and productivity gains before expanding. This approach helps you quantify ROI and avoid over-licensing.

3. Lock Down Permissions and Sharing

Before deployment, conduct a thorough permissions audit across Microsoft 365. Users should only access data appropriate to their role. This step protects sensitive information and limits the risk of accidental disclosure through AI-generated content.

4. Create Governance and AI Use Policies

Develop clear policies for how Copilot can and cannot be used. Establish guidelines around what types of content can be generated, where it can be saved, and when human review is required. This protects your organization from unintended misuse.

5. Monitor Usage and Feedback

After rollout, use Microsoft analytics to monitor which features are used most, where support is needed, and whether the tool is creating efficiency—or confusion. Use this data to refine training, adjust policies, and manage expectations across departments.

Microsoft’s Recommended Approach

Microsoft encourages phased adoption and governance through a “center of excellence” model. Their official guidance outlines how to prepare your team, evaluate data risks, and align deployment with business objectives.
https://learn.microsoft.com/en-us/microsoft-365-copilot/microsoft-365-copilot-planning

Where Cost+ Can Help

If you’re unsure where to start, Cost+ offers Microsoft 365 audits and implementation services. Our Support+ team helps you develop a smart, secure microsoft copilot rollout strategy—with licensing, permissions, and risk mitigation built in from day one.

Bottom Line

Copilot has the potential to improve productivity, but it’s not plug-and-play. Without a clear strategy, businesses risk wasted spend, policy violations, and AI-generated confusion. Taking the time to implement a thoughtful microsoft copilot rollout strategy will protect your business—and help your team use AI with confidence and control.

As cyber‑insurance premiums continue to rise, it’s no longer enough to just “have MFA.” Insurers now demand strong, phishing‑resistant implementations—or they won’t provide coverage. Meeting the mfa requirements for cyber insurance means understanding which MFA types are accepted, how to upgrade legacy systems, and what it means for policy costs and risk.

Why Insurers Are Raising the Bar

MFA is now one of the top technical requirements insurers look at when assessing cyber-risk. Insurance carriers have seen an increase in claims tied to account takeovers, many of which succeeded because the organization relied on outdated MFA like SMS codes. As a result, insurance underwriters are demanding stronger controls across the board.

Understanding Phishing‑Resistant MFA

Not all MFA is created equal. Traditional methods—like SMS or mobile app prompts—can be intercepted or spoofed. “Phishing-resistant MFA” refers to methods that verify the user and device in a cryptographically secure way. Examples include hardware security keys (like YubiKeys) and certificate-based authentication. These methods drastically reduce the risk of credential phishing attacks.

Business Risks of Weak MFA

• Policy denial or voiding: Insurers may reject your claim if your MFA does not meet their underwriting criteria.
• Higher premiums: Basic MFA often leads to increased costs. Some insurers offer reduced rates for phishing-resistant MFA adoption.
• Regulatory exposure: Financial and healthcare regulators increasingly expect strong authentication methods as part of compliance obligations.

Five Steps for Business Leaders

1. Audit Your Current MFA

Identify how users are authenticating. Are you using SMS, push notifications, app-based codes, or security keys? Review login methods across email, VPN, remote access, and internal applications.

2. Upgrade to Phishing‑Resistant Methods

Start with your most privileged accounts—executives, finance, and IT administrators. Implement FIDO2-based hardware tokens or certificate-backed smart cards that validate both user identity and device integrity.

3. Confirm Requirements with Your Insurance Provider

Talk directly with your broker or carrier. Ask for a list of MFA methods that meet current underwriting standards and get confirmation in writing where possible.

4. Train Your Staff

Phishing-resistant MFA only works if it’s understood and used correctly. Provide step-by-step training for security key use and make adoption easy across departments.

5. Monitor and Report Compliance

Keep records of your MFA rollout, including coverage by user group and authentication method. This information may be required during insurance renewals or audits.

Helpful Resources

The U.S. Cybersecurity and Infrastructure Security Agency (CISA) offers guidance on phishing-resistant MFA. Learn more from their official publication here:
Implementing Phishing-Resistant MFA (CISA).

Where Cost+ Can Help

Cost+ helps businesses meet the latest Security+ standards required by insurers. We assess existing MFA, implement compliant solutions, and document everything to help you secure coverage at the best possible rate.

Bottom Line

If your company still relies on SMS or app-based MFA, it may no longer meet mfa requirements for cyber insurance. Upgrading to phishing-resistant MFA isn’t just smart—it could be essential to keeping your business protected and insured.

By Thomas McDonald
Vice President