Your cyber insurance has a gap.
Healthcare cyber policies look substantial on paper. In real claims, sub-limits and exclusions turn $3M policies into $250K payouts. This gap analysis walks through the 12 most common exclusions in mid-market healthcare cyber policies in 2026 — and what evidence carriers actually require.
- 12 most common exclusions in mid-market healthcare policies
- Sub-limit traps that turn 7-figure policies into 6-figure payouts
- What "evidence-able controls" actually means in 2026
- Built as a board-prep tool, not a marketing brochure
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Why most boards don't know the gap
C-suite leaders see the policy declarations page. They don't read the 80 pages of exclusions, sub-limits, and conditions. When they think they're covered for $3M of cyber exposure, they often have $250K of effective coverage once the actual claim runs through the policy's filters. The gap is biggest exactly when you'd most want it not to be — in a serious incident with regulatory consequences.
Regulatory fines and penalties exclusions
HIPAA OCR fines, FTC penalties, state AG actions — most policies cap or exclude these aggressively. The analysis details what to look for in your specific policy.
Failure-to-maintain-controls language
The 2026 enforcement pattern: carriers reduce or deny payouts when controls described in the application can't be evidenced at the time of the incident. This is the biggest hidden exposure most boards don't see.
Business interruption sub-limits
Most policies cap business interruption coverage at 30 days. Real ransomware recovery often takes longer. The math gets ugly fast.
Designed for board-level discussion
The analysis is structured to be presented at a board meeting — visual, executive-friendly, without IT jargon.
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Quick FAQ
The questions we get most often about this asset and what comes after.
No — we're not a broker and don't sell insurance. We help healthcare leaders understand what their existing policies actually cover so they can have informed conversations with their broker and board. The analysis is independent.
It shouldn't — good brokers welcome informed clients. The analysis isn't critical of any specific broker or carrier. It walks through generic gap patterns common to mid-market healthcare policies.
Yes — Lou is available for confidential policy review conversations. Bring your declarations page; we'll walk through it section by section and identify where the gaps are. 30-45 minutes, no obligation.
Often not. The more common fix is making sure the controls you have are evidence-able if a claim happens — which is cheaper than buying more coverage and addresses the actual exposure.
