Your business is hitting all the right numbers. Revenue is strong, operations hum along, and from your seat in the C-suite, things look bulletproof. Then—bam—a cyberattack hits. Systems go dark. Phones stop ringing. Orders grind to a halt.

You reach for your cyber insurance provider—the very same entity that sold you their one-size-fits-all “cybersecurity solution.” They handed you a prepackaged stack, complete with shiny reports and slick dashboards.

And now? They’re pointing fingers.

They hold the evidence. You hold the liability.

Instead of standing beside you in the fight, they’ve stepped back—arms crossed, lawyers on speed dial. Because here’s the dirty secret: when insurers wear the hat of both protector and judge, the only thing they’re securing is their own balance sheet.

Letting your insurance provider architect your cybersecurity strategy is like asking the IRS to manage your investments. Sure, they understand the penalties. But strategy? Decision-making? Not their game. Insurance companies aren’t built to manage risk. They’re built to avoid paying for it. And when the house burns down, their first move is proving you lit the match.

Yet here we are—businesses turning over cybersecurity to the very entities that will investigate them post-breach. The same entities that use a microscope to find a missed MFA alert or unpatched system and call it negligence. The same ones writing your policy—and later using that policy as a checklist for denial.

If you’re relying on your insurer to manage your cybersecurity, you’re not mitigating risk. You’re outsourcing accountability. You’re giving up the last shred of control.

This isn’t just risky. It’s reckless.

It’s like trusting your health insurer to perform heart surgery. They know the cost of failure. But would you hand them the scalpel?

Cyber insurance is essential. But it was never meant to be your cybersecurity program.

When insurers set the standard, they write it to serve themselves. Not you. And when it all goes sideways, they’ve got the fine print. Don’t believe me? Grab your policy. Look for words like “exception,” “carve-out,” or “negligence.”

Build your own team of trusted advisors and providers. One that documents every configuration, tests every alert, and proves every control is working—before the breach, not after the audit. A team that protects you, not their own margins.

When the fox designs the henhouse, you know exactly how the story ends.