SECTOR — INSURANCE
CREST-certified penetration testing for UK insurance firms. FCA / PRA-aligned methodology, cyber insurance underwriting evidence, claims data, broker integrations, policy-administration platforms. Operational-resilience focused.
CREST
Approved Provider
FCA / PRA
Aligned
ISO 27001
BSI-Audited
24h
Scope to Active Test
REGULATORY CONTEXT
What FCA, PRA & Cyber Insurance Underwriters Expect
Operational Resilience
FCA / PRA operational-resilience rules require demonstrable testing of important business services. Pen testing is the technical-assurance leg of operational-resilience evidence.
Cyber Insurance Underwriting
UK cyber insurance underwriters (Lockton, Beazley, Hiscox, AIG) require pen test evidence at policy renewal. Reports must satisfy underwriter wording on testing scope, frequency, and remediation.
Solvency II / IRB
For PRA-supervised firms, IRB models and Solvency II require demonstrable IT-resilience controls. Our testing evidences the controls auditors and supervisors expect.
SCOPE
What We Test for UK Insurance Firms
CUSTOMER
Policy Quote & Buy
Customer-facing quote engines, online buy flows, payment integration. OWASP Top 10, business-logic flaws, pricing-engine manipulation, IDOR across customer records.
CLAIMS
Claims Platforms
Claims-management systems, broker portals, loss-adjuster integrations. Privilege escalation, claims-amount tampering, document upload security.
APIs
Broker / Reinsurance APIs
API testing for broker-portal integrations, reinsurance data feeds, MGA / aggregator connections. OWASP API Top 10 with insurance-specific data flows.
INFRASTRUCTURE
Network & AD
Internal AD attacks, segregation between underwriting, claims, and finance. Privileged access, file-share scoping, remote-access pathway testing.
CLOUD
AWS / Azure
Cloud configuration review for insurance-data deployments. IAM, encryption, KMS, audit logging, multi-region replication scrutiny for data-residency compliance.
ADVANCED
Red Team
Multi-week assume-breach engagements modelled on ransomware actors targeting insurance firms (e.g. CL0P, BlackCat). Spear phishing, persistent C2, full kill-chain.
OUR ACCREDITATIONS
Verified Credentials That Matter to UK Insurance Firms
FCA / PRA supervisors and cyber insurance underwriters expect penetration testing evidence to come from accredited providers. Our credentials below are individually verifiable, sit inside Operational Resilience self-assessments, support Solvency II IT-control documentation, and meet leading UK cyber insurance underwriter requirements.
CREST Member
CREST membership is consistently cited by UK cyber insurance underwriters (Lockton, Beazley, Hiscox, AIG) as proof of pen testing rigour required for policy renewal. PRA / FCA-supervised firms also recognise CREST as Operational Resilience technical-assurance evidence.
IASME Cyber Essentials Body
Cyber Essentials Plus is increasingly required at policy renewal by UK cyber insurance underwriters. Our IASME-approved certification body status means we deliver pen testing and Cyber Essentials Plus certification in a single integrated engagement.
ISO 27001 (BSI)
ISO 27001 (BSI-audited) demonstrates our own information-security maturity to underwriting standard. Insurance firms whose policy schedules specify ISO 27001 supplier requirements can engage EJN within those requirements.
ISO 9001 (BSI)
ISO 9001 (BSI-audited) covers our delivery quality management system. PRA-supervised firms operating under SS1/21 Operational Resilience requirements value ISO 9001 evidence as part of supplier-resilience documentation.
UK Cyber Security Council
Corporate Membership of the UK Cyber Security Council confirms our testers operate to the UK government-backed professional standard, important for engagements where chartered-professional evidence is requested by SMCR-accountable Senior Managers.
Crown Commercial Service
We are a Crown Commercial Service supplier (G-Cloud framework). For insurance firms with public-sector lines (NHS, education, local government broker arrangements), our CCS supplier status accelerates supplier-cyber-control verification.
OUR PROCESS
From Scope to Attestation in 4-6 Weeks
Scoping Call
30-minute technical scoping call. Define attack surface, methodology, rules of engagement, and timeline. Fixed-price quote within 24 hours.
Active Testing
3-15 days of hands-on testing by CREST-certified pen testers. Daily status updates and live findings delivered to your client portal.
Reporting
Executive summary plus full technical report with CVSS scores, reproduction steps, screenshots, and specific remediation. 60-minute walkthrough call.
Free Retest
After remediation, we retest at no extra charge. Letter of attestation provided for audit, regulator submission, or insurance underwriting.
COMPLIANCE READY
Reports Aligned to Every Framework
Findings map to specific control references in each framework, so your audit team submits the report directly without translation work.
FCA / PRA Operational Resilience
Important business services testing, severe-but-plausible scenarios.
Solvency II
IT controls evidence for PRA-supervised firms.
ISO 27001
Annex A.12.6.1 with insurance-sector A.18 controls.
Cyber Insurance
Reports compatible with leading UK cyber insurance underwriting wording.
UK GDPR
Article 32 with claims-data protocols for special-category data.
SMCR
Senior Manager personal-accountability cyber evidence.
PRICING
Indicative Engagement Pricing
Fixed-price quotes confirmed during scoping. Free retest, executive summary, walkthrough call, and letter of attestation included.
Single quote-and-buy platform
£6,000 – £20,000 depending on payment integration and pricing-engine complexity.
Claims platform + APIs
£12,000 – £35,000 covering claims management, broker portal, and integration APIs.
Multi-week red team
£30,000 – £120,000 for ransomware-actor-modelled engagement with full kill-chain demonstration.
FAQ
Frequently Asked
Are you accepted by major UK cyber insurance underwriters?
Yes. Lockton, Beazley, Hiscox, AIG, Chubb, and Travelers cyber underwriters all accept EJN’s letter of attestation as part of policy renewal evidence. We tailor letter wording to specific underwriter requirements where requested.
How do you map to FCA / PRA Operational Resilience?
Our reports include an Operational Resilience appendix mapping each finding to the firm’s identified important business services, the firm’s impact-tolerance thresholds, and the severe-but-plausible scenario testing required by SS1/21.
Can you simulate ransomware actors specifically?
Yes. Our red team service models specific UK-active ransomware actors (CL0P, BlackCat, LockBit successors) using their published TTPs from threat intelligence. Optional ransomware tabletop facilitation for executive teams.
Do you support broker / MGA testing?
Yes. Broker portal and MGA aggregator testing covers the integration boundary between the insurer, intermediary, and end customer. Specific scrutiny of bordereaux file processing, premium calculation tampering, and policy-binding workflows.
How do you handle claims-data confidentiality?
Claims data carries special-category-data status under UK GDPR. We test in non-production environments with synthetic claims data, or with explicit DPO approval on production with restricted scope.
Can you test our reinsurance integration?
Yes. Reinsurance data feed testing covers data-feed integrity, party-authentication, and rate-confidentiality between primary insurer and reinsurer. Integration with leading reinsurance platforms supported.
Do you provide attestation for PRA submissions?
Yes. Our letter of attestation is suitable for PRA-supervisor return submissions and the firm’s Operational Resilience self-assessment under SS1/21.
Book an Insurance Scoping Call
30 minutes with a CREST-certified pen tester. Fixed-price quote within 24 hours.
