Cyber Insurance Readiness Check
Self-assessment against the typical minimum requirements of German cyber insurers (GDV model terms) — with a PDF report.
AssessThis assessment is based on the GDV model terms (non-binding) and publicly available information researched as of 2026-07-16 — not insurance or legal advice. Actual requirements vary by insurer and contract.
How it works
Go through the baseline checklist
Six near-universal minimum requirements.
Check maturity criteria
Additional, increasingly required measures.
Download PDF report
For internal documentation or the insurance application.
Benefits
Good to know about this tool
Assesses your own IT security against the typical minimum requirements of German cyber insurers and creates a PDF report.
Many claims are denied because measures stated in the application (e.g. MFA) weren't actually fully implemented — an honest self-assessment helps close that gap beforehand.
- Prepare honestly before filling out an insurer's risk questionnaire
- Check an existing policy for ongoing compliance
- Prioritize IT security gaps
- Only check what is actually and fully implemented — not 'partially'
- Update the report regularly, not just once at application time
Frequently Asked Questions
Does this assessment guarantee I'll be insurable?
This assessment is based on the GDV model terms (non-binding) and publicly available information researched as of 2026-07-16 — not insurance or legal advice. Actual requirements vary by insurer and contract.
What happens if I state something different in the insurance application?
At least one baseline requirement has a gap. Exactly these kinds of gaps are a common reason for claim denial or reduction (§19/§28 VVG), especially if the application stated otherwise.
The information, templates, scripts, calculations and recommendations provided are intended for educational and assistance purposes only. Always review and test any generated result before production use. IT Smart Service accepts no liability for misuse, data loss, outages, security incidents, or legal, financial or technical damages arising from incorrect or improper use. Responsibility for validation, testing and deployment decisions rests with the user.
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