Prediction 3

Corporate insurance turns Digital Executive Protection into a requirement for coverage

The prediction

With the increased number and type of executive attacks, we predict that corporate insurance will become a leading force that moves Digital Executive Protection from recommendation to requirement. Policies are already shifting and some carriers have written AI-generated impersonation attacks into their social engineering coverage, while others have excluded it from coverage completely.

We expect two security controls to lead this trend. The first is home network assessment, because executives often use personal devices and home networks for work purposes, and it is an environment very few security teams test. “Home network security is becoming a named line item in cyber insurance underwriting,” says Brian Hill, Field CISO, Client Advisory, BlackCloak. “Threat actors get into an executive’s personal computer which becomes the bridge into a work computer. It’s a huge gap.”

The second control is anticipated to be defense against AI impersonations, because insurers are now pricing losses that originate from deepfake attacks rather than compromised systems. We believe this will turn an out-of-band control, such as Impersonation Protection, into a condition of the policy rather than a nice-to-have.

Signals behind the prediction

Corporate insurance requirements weigh heavily on organizations. When underwriters began asking for evidence of multi-factor authentication, there was a rapid response to change staff behavior. We expect impersonation controls to follow the same path.

In addition, home network scanning for executives has risen faster than any other service in buyer interest this year. This is unsurprising given that lack of visibility into personal devices, accounts, and home networks is the challenge security teams report most often¹, and the added pressure from underwriters is expected to fuel ongoing demand.

External signals that influenced this prediction

Coalition introduced a Deepfake Response Endorsement across its policies globally, covering forensics, content removal, and crisis communications².
BOXX Insurance added affirmative AI and deepfake cover to its business policy in July 2026, explicitly including voice cloning and video deepfakes. The same reporting notes that other carriers moved the opposite way, excluding AI-generated deepfake fraud from standard social engineering cover for policies renewed from 1 January 2026³.
U.S. agencies issued repeated warnings during 2026 about the compromise of home and small office routers, including an FBI alert on exploitation by Russia’s GRU and router hygiene guidance from the NSA and international partners^{4, 5} highlighting a previously underestimated attack vector.

Why it is key for 2027

Insurance is often what turns a recommendation into a requirement. When a carrier asks whether an executive’s home network has been assessed, or what procedure confirmed a payment request before it was authorized, the answer determines whether a claim is paid. That moves the conversation from security preference to contractual obligation, and it puts a security leader in the position of having to evidence controls over an environment they do not own. No team wants to discover that gap during a large claim.

Techstrong PulseMeter, Personal Exposure, Enterprise Risk: Formalizing Response for Executive Soft Targets, Futurum Group, June 2026. Sponsored by BlackCloak. blackcloak.io
Coalition, “Coalition Adds Deepfake Response Endorsement to its Cyber Insurance Policies Globally.” www.coalitioninc.com
Insurance Business, “BOXX Insurance adds affirmative AI and deepfake coverage to Cyberboxx Business policy,” July 2026. www.insurancebusinessmag.com
FBI Internet Crime Complaint Center, public service announcement on GRU exploitation of routers, April 2026. www.ic3.gov
NSA and partners, guidance on router hygiene against Russian cyber threats, July 2026. www.cisa.gov