Cybantage | Regulated Industry Cybersecurity Advisory
Research-Driven Cybersecurity Advisory · Regulated Industries

31.3% of breached
organizations
don't survive it.

We build the ones that do. Cybantage is a research-driven cybersecurity advisory practice specializing in the gap between compliance posture and forensic survivability — the gap that determines whether your organization absorbs a breach or is defined by it.

2024–2026 Research Findings
40%
of cyber insurance claims denied or only partially paid
NAIC 2024 · 28,555 unpaid vs. 9,941 paid
31.3%
of breached healthcare organizations ceased to exist independently
Cybantage Research · 1,478 organizations · 2023–2026
3–5×
uninsured cost exceeds insured payout — even when claims pay
NetDiligence 2025 · IBM Cost of Breach 2024
30+
Years regulated industry security leadership
1,478
Organizational breach events in the Cybantage research dataset
7
Published research papers and whitepapers
34
Question CISI scoring instrument · 10 domains · 2 denial dimensions

Compliance confirms controls exist.
Forensic investigators ask whether controls survived.

These are different tests. They produce different verdicts. The gap between them is where 40% of cyber insurance claims are lost — and where organizations fail to survive breaches they were certain they were prepared for.

Assumption 01

"We passed our compliance audit — our security is validated."

SOC 2 attests that controls were suitably designed. HITRUST certifies control maturity above threshold. Neither tests whether those controls hold under actual attack. The $3.09 billion Change Healthcare breach occurred while the organization held active HITRUST r2 certification.

Assumption 02

"Our security team is managing the right risks."

In most regulated organizations, security has been delegated to IT. IT governance optimizes for uptime and compliance output. Adversarial security requires modeling how an attacker operates as a legitimate user inside your systems. Email and network servers — both identity-dependent — account for 88% of breach entry points.

Assumption 03

"The insurance policy will pay if we have a breach."

Cyber insurance is a financial instrument with specific performance conditions — not a security instrument. 40–44% of claims are denied or partially paid. 98% of those claims originate from organizations under $2B revenue. A denied claim combined with full breach economics is frequently not a setback. It is an extinction event.

The Hidden Dimension

Insurer-side exclusions no security control can fix.

Nation-state attack exclusions (Lloyd's 2023 mandate), third-party coverage gaps, and systemic event exclusions represent 20–30% of all claim denials. These are not claimant-side failures. No security investment resolves them. Only policy review with qualified counsel does. Most organizations have never had that conversation.

"Cybantage builds organizations that survive breaches — and whose leadership can withstand the scrutiny that follows."
The Cybantage Thesis · March 2026
  • 🔬
    Research precedes every product. The Healthcare Breach Survivability Whitepaper, CISI Discussion Paper, and SOC 2/HITRUST analysis papers were published before a dollar of product development was spent. The market was established by evidence.
  • ⚖️
    Two dimensions of denial — both measured. Cybantage is the only firm that measures and addresses both claimant-side control failures and insurer-side policy exclusion risk. No competitor has Domain 10. No competitor has built the four-stage lifecycle.
  • 🛡️
    Forensic-grade from day one. Every deliverable is designed to withstand post-breach forensic scrutiny — not just internal review. The same standard a carrier's investigator applies is the standard we apply.
  • 🔒
    Legally protected where it matters. Stage 2A and 2B activities are conducted under attorney-client privilege. Findings are protected. No competitor has built this legal architecture into their delivery model.

The Cybantage Cyber
Survivability Framework

Five stages. Universal forensic logic. Industry-adaptive regulatory mapping. Each stage's output is the next stage's input — and the framework writes its own statement of work at every transition.

Stage 1
CISI Assessment
Score

34 question, 10-domain scoring instrument. Free assessment. Paid analysis debrief. Measures both claimant-side and insurer-side denial risk.

Stage 2A
Leadership Defensibility Index
Expose

Dual-track leadership assessment under attorney-client privilege. CAE analysis. LDI Report. Names what leadership doesn't know they don't know.

Stage 2B
Privileged Review
Protect

Legal protection record. Domain 10 policy review with insurance counsel. Board package. The evidentiary document executives need before a breach.

Stage 3
CISI Forensic Deep Dive
Verify

LDI-informed forensic verification of all 10 domains. Tests whether controls actually protect — using the same standard a carrier's investigator will apply.

Stage 4
CyberRes
Build & Sustain

Full resilience program build. Quarterly re-score. Annual LDI cycle. Sustained through every policy renewal cycle.

Explore the Framework Universal forensic logic · Industry-adaptive regulatory mapping · 4 regulated verticals

Insurance claims fail on one of two tracks.
Cybantage is the only firm that measures both.

Track 1 — Claimant-Side

Security controls didn't exist, operate, or survive

Addressable through security investment. This is what every other security firm addresses. These failures account for approximately 60–70% of claim denials.

MFA not universally enforced across all access vectors
Backups accessible from the network ransomware encrypted
Controls documented but not technically enforced
Log retention insufficient for forensic reconstruction
IR plan untested — no documented tabletop exercise
Policy attestation diverged from operational reality
Domains 1–9 of the CISI measure this dimension across 200 points.
Track 2 — Insurer-Side (Domain 10)

Policy excludes the event regardless of security posture

NOT addressable through security investment. Only policy review, legal counsel, endorsements, or supplemental coverage resolves these gaps.

Nation-state exclusion unreviewed — Lloyd's March 2023 mandate
Third-party / supply chain breach not covered
Systemic non-malicious outage excluded (CrowdStrike precedent)
Vendor dependencies not mapped against policy scope
Coverage scope never confirmed in writing with broker
A perfect Domain 1–9 score does not clear Domain 10 flags. A 210/215 score with D10-NS = 0 receives the same insurer-side alert as a 75-score organization.
The CISI Assessment · Free · 15 Minutes

Would your cyber insurance claim
actually be paid?

The Cyber Insurance Survivability Index puts a structured, evidence-based score on the one question boards and CFOs haven't been able to answer — until now. Free assessment. Paid analysis debrief. Immediate results.

34 Questions · 10 Domains
2 Denial Dimensions
15 min To complete
Sample Score
142
/ 215
At Risk — Partial Payment Likely
Paid
42%
Partial
38%
Denied
20%

The research preceded the products.
No competitor can replicate that lineage.

Every Cybantage product has a published research antecedent. The research identifies the problem, defines the mechanism, and establishes the standard. Products are the applied implementation.

Healthcare · 2025

Healthcare Breach Survivability Research Whitepaper

1,478 providers and business associates. Major breaches. January 2023–February 2026. 31.3% closed or sold post-breach. Survivability determined by program infrastructure, not breach size. Introduces the HBSI framework.

Read the Research →
CISI Methodology · 2026

Cyber Insurance and the Compliance Reality Gap

The foundational CISI Discussion Paper. Two-dimensional claim denial framework. Forensic weighting methodology. Company-size claim outcome data. Change Healthcare and Stryker case studies. The academic basis for Compliant ≠ Defensible.

Download the Paper →
CFO / Board · 2025

The Assumption Stack: Why Your Safety Net Has a 40% Failure Rate

The three assumptions that fail under forensic conditions. The accurate cyber risk register entry most CFOs don't have. The six questions your board should be asking — and one critical insurer-side question most boards have never heard.

Download the Whitepaper →

Ready to know where you actually stand?

The CISI assessment is free and takes 15 minutes. The paid analysis debrief gives you a structured, evidence-based picture of your claim payability, denial triggers, and uninsured exposure — with a clear path forward.

📍
Location Nashville, Tennessee
✉️
🌐
CISI Assessment cybantage.com/cisi

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