Penetration Testing for Cyber Insurance.
What insurers require, and what our test delivers.
Carriers now ask for independent security testing on nearly every application and renewal questionnaire. StealthNet AI delivers a human-validated penetration test with an underwriter-ready report in 48 hours, from $1,500, so you can answer the questionnaire with evidence instead of a checkbox.
Get a Pentest Before Your Renewal
Tell us your renewal date and what is in scope. We'll respond with a scoped quote within one business day.
Trusted by Companies Where Security Isn't Optional
What customers say
Highly recommend StealthNet AI
"StealthNet AI performed a thorough and comprehensive pen test, fast turnaround on conducting the test, they were very responsive, and it was great value."
Richard B.
Founder · Avara Software · Health, Wellness & Fitness
The best choice for penetration testing
"The testing was thorough and the reports were structured precisely for the regulatory requirements. Explanation of issues along with steps to reproduce and remediation advice were detailed and clear, making corrections a breeze."
Jeremy M.
Director · IKO Corp · Medical Devices
The Security Controls Underwriters Ask About
Cyber insurance applications and renewal questionnaires converge on the same short list of controls. Testing sits at the center of it, because it is the only answer that produces independent evidence rather than a self-attestation.
Independent Security Testing
Carriers ask whether you conduct penetration testing, how often, who performs it, and whether findings are remediated. A dated report from an independent tester within the last 12 months is the answer most underwriters expect to see attached.
MFA on Email, Remote Access, and Admin
Multi-factor authentication on email, VPN and remote access, and privileged accounts is close to a hard requirement across the market. Testing verifies the coverage is real and finds the accounts and paths that bypass it.
EDR and Monitoring Coverage
Endpoint detection and response deployed across servers and endpoints, with alerting that someone actually reviews. Testing shows whether exploitation attempts against your environment produce detections or pass silently.
Backups That Are Segmented and Tested
Immutable or offline backups, separated from production credentials, with documented restore testing. Testing looks for the credential and network paths an attacker would use to reach backup infrastructure first.
Patch and Vulnerability Management
A documented process with defined timelines for critical patches. Testing produces the external evidence: exactly which internet-facing systems are unpatched today and how exploitable they are right now.
Incident Response Plan and Training
A written incident response plan and security awareness training including phishing and social engineering. Vishing and phishing simulation evidences the training control rather than asserting it.
Every Questionnaire Line Item, Mapped to a Deliverable
This is the mapping we hand to your broker. Left column is what the application asks. Right column is the artifact from a StealthNet engagement that answers it.
A Checkbox Answer Is Not Evidence
Application Answers Are Reviewed at Claim Time
Insurers revisit the control answers you attested to when a claim is filed. Attesting to annual penetration testing without a report to produce is the gap that turns a coverage conversation into a dispute. The report is the record.
Missing Controls Show Up in Terms, Not Just Price
Weak testing answers rarely produce a flat decline. They produce higher retentions, ransomware sublimits, and coinsurance. Removing the objection before submission is how brokers negotiate cleaner terms.
Renewal Windows Are Shorter Than Pentest Timelines
Traditional firms need 4 to 8 weeks to scope, test, and deliver. Renewal questionnaires often arrive 3 to 4 weeks out. A 48-hour engagement is what makes the deadline achievable without asking for an extension.
From Questionnaire to Submission-Ready Report in 48 Hours
Send Us the Questionnaire
Share your application or renewal questionnaire and your submission date. We scope the test to the systems and controls your carrier is actually asking about.
AI Agents Execute Testing
Our AI agents test your external perimeter, remote access, web applications, APIs, and cloud environment for the exploitable paths that drive cyber claims.
Human Tester Validates Findings
A senior OSCP-certified penetration tester validates every finding before it enters the report, so what your underwriter reads is confirmed risk, not scanner output.
Broker-Ready Report Delivered
You receive a report with executive summary, tester credentials, testing dates, CVSS-rated findings, remediation guidance, and remediation status your broker can attach as-is.
We Test the Attack Paths Behind Cyber Claims
Ransomware and business email compromise account for the majority of cyber claims. Scope is built around the entry points and escalation paths those incidents actually use.
External Perimeter and Remote Access
Internet-facing infrastructure, VPN and remote desktop exposure, open ports, misconfigured firewalls, and CVE-matched vulnerabilities across everything an attacker can reach without credentials.
Identity, Email, and MFA
Authentication flows, MFA coverage and bypass paths, password policy weakness, and exposed credentials that enable account takeover and business email compromise.
Web Applications and APIs
Customer-facing and internal applications, REST and GraphQL APIs, session handling, and business logic flaws covering the OWASP Top 10 and API Security Top 10.
Internal Lateral Movement
Simulation of an assumed-breach scenario: privilege escalation, Active Directory misconfiguration, path-to-domain-admin analysis, and reachability of backup infrastructure.
Cloud Configuration
AWS, Azure, and GCP review for IAM over-permissioning, exposed storage, hardcoded credentials, and escalation paths into production data.
AI Vishing and Social Engineering
Optional voice-based social engineering simulation that produces measured results for the security awareness control, instead of a training completion percentage.
Testing Priced for the Policy, Not the Enterprise
One-off tests ahead of a renewal deadline. Annual cadence for policyholders who want the answer ready every year.
AI-Assisted Pentest
$1,500
- External perimeter, web app, and API coverage
- Human-validated findings, not a vuln scan
- Underwriter-ready report format
- Tester credentials and testing dates documented
- 48-hour delivery
Best for: Smaller policies and first-time applicants who need a dated independent test before submission
Hybrid (AI + Human) Pentest
Starting at $5,000
Typical engagements range from $5,000 to $10,000 depending on scope
- Everything in AI-Assisted
- Senior OSCP-certified tester engagement
- Internal lateral movement and identity testing
- Business logic and chained vulnerability testing
- Free remediation retest to evidence closure
- Findings mapped to your questionnaire line items
Best for: Renewals with higher limits, ransomware sublimit negotiations, or carriers asking for internal testing
Annual Policy Bundle
Custom
Scheduled around your policy period
- Testing timed to your renewal cycle
- Retest and remediation tracking across the year
- Vishing simulation add-on available
- One report set reusable for SOC 2, HIPAA, and PCI DSS
Best for: Policyholders who want the testing answer ready before the questionnaire arrives each year
Evidence Your Underwriter Accepts. On a Renewal Timeline.
From scope confirmation to report delivery
Testing recency most carriers ask you to evidence
Findings validated by senior human testers
Certified testers named in every report
Pentest Services Included in Every Compliance Engagement
Every compliance pentest pulls from these test-type services as needed. Scope is sized to your environment, not padded with hours.
Cyber Insurance Penetration Testing: Common Questions
One Test, Evidence for Every Framework
Same AI plus human delivery model, mapped to the framework your auditor or customer cares about.
Trust Services Criteria CC6/CC7
Security Rule §164.312 safeguards
Requirement 11.3 / 11.4 testing
Annex A control validation
800-53, 800-171, and CSF mapped
Level 2 (NIST 800-171) crosswalk
510(k) cybersecurity for medical devices
Moderate/High baseline pentest
EU Article 25 ICT pentest for financial entities
Answer the Questionnaire With Evidence.
Send us your renewal date and scope. We'll respond with a scoped quote within one business day, and deliver the report 48 hours after scope confirmation.
No commitment required. Every engagement is scoped before a proposal is sent.