Insurance -

Insurance Cybersecurity & Penetration Testing

Insurance organisations operate complex ecosystems spanning policy administration, underwriting portals, claims platforms, broker/agent systems, and customer self‑service apps. They process sensitive personal and financial data (PII, health details, claims evidence), run high‑volume workflows, and integrate with payment gateways, health networks, legal service providers, data enrichment sources, and analytics platforms. Any exploit—account takeover, data leakage, fraud in claims or quote flows, or supply‑chain compromise—can erode customer trust, trigger regulatory scrutiny, and materially impact loss ratios and brand reputation.

7Camber delivers customised penetration testing and continuous vulnerability management for insurance organisations in more than 20 countries. Our highly certified team brings 10+ years of hands‑on experience across Regulatory pentests (PCI‑DSS, ISO, DORA, TIBER TLPT) and Elective pentests (API, network, Wi‑Fi, web app, mobile app), backed by clear reporting, practical remediation guidance, and board‑safe assurance.

What the Insurance Industry Deals With

Policy administration & underwriting: Quotation engines, risk models, document generation, endorsements, and renewals.
Claims management: FNOL, evidence submission, adjuster workflows, fraud checks, and settlement.
Broker/agent portals & customer self‑service: Multi‑role access, secure document exchange, and communications.
Payments & billing: Premium collection, refunds, instalments, and reconciliation.
Data & analytics: PII, claims history, telematics, health data (where applicable), fraud scoring, and BI pipelines.
Integrations & third‑party services: Identity verification, medical/legal providers, payment processors, aggregators, and enrichment APIs.

Key Online & Cyber Risks (Insurance)

Account Takeovers (ATO) – Credential stuffing, session hijacking, weak MFA, and social engineering compromise customer, broker, or adjuster accounts and expose PII/claims data.
Business Logic Exploitation – Quote manipulation, claims flow abuse, and insufficient validation enable fraud and impact loss ratios.
API Exploitation – Over‑permissive endpoints, IDOR, injection, mass assignment, and rate‑limit bypass enable data harvesting and policy/claim tampering.
Data Breaches & Privacy Failures – Misconfigurations, insecure storage, and poor secret management expose sensitive data, including regulated health information in certain lines.
Cloud & CI/CD Misconfigurations – Overexposed storage, permissive IAM roles, weak network segmentation, and pipeline token leakage enable lateral movement and exfiltration.
Third‑Party/Supplier Risk – Vulnerable SDKs, aggregators, health/legal integrations, and external processors introduce upstream weaknesses.
DDoS & Availability Attacks – Volumetric and application‑layer attacks disrupt portals and claims systems during peak events (storms, renewals, campaigns).
Mobile App Tampering – Reverse engineering, insecure local storage, and weak certificate pinning compromise tokens, policy data, and offline features.

Relevant 7Camber Services for Insurance

Regulatory Penetration Testing (Compliance)

PCI‑DSS Penetration Testing
For environments processing cardholder data (premium payments, refunds), our PCI‑DSS pentests validate controls across applications, payment APIs, and networks—supporting secure payments and audit readiness.
ISO 27001 Penetration Testing
Strengthen your ISMS by validating control effectiveness, identifying real‑world gaps, and evidencing continuous improvement for certification and surveillance audits.
DORA Readiness Testing
For EU‑connected insurance entities and financial services operations, we assess operational resilience, incident response preparedness, third‑party risks, and control maturity aligned to DORA objectives.
TIBER TLPT (Threat‑Led Testing)
Where TLPT applies, we simulate realistic adversaries to probe detection/response capabilities, strengthen resilience, and align with regulator expectations.

Outcome: Clear findings mapped to regulatory frameworks, prioritised remediation plans, and audit‑friendly artefacts—helping you satisfy standards, laws, and regulations while improving day‑to‑day security.

Elective Penetration Testing (Security Posture)

Web Application Pentesting
Harden quotation engines, policy administration, claims portals, broker/agent systems, and customer self‑service against OWASP Top 10, session weaknesses, and business logic flaws.
API Pentesting
Validate authentication/authorisation, rate‑limiting, input handling, and data exposure across underwriting, claims, document, and payment endpoints; identify IDOR, injection, mass assignment, and enumeration risks.
Mobile Application Pentesting
Assess iOS/Android apps for secure storage, token protection, certificate pinning, transport security, and tamper resistance—especially for claims evidence capture and telematics features.
Internal & External Network Pentesting
Discover misconfigurations, legacy services, privilege‑escalation paths, and lateral movement opportunities across corporate and production environments.
Wi‑Fi Pentesting
Validate wireless segmentation, encryption, captive portals, and rogue AP detection—protecting branches, offices, and assessment centres.

Outcome: Actionable insights that reduce exploit paths across policies, claims, APIs, and mobile—protecting customer data, revenue, and brand reputation.

Vulnerability Management

Vulnerability Assessments (snapshot)
Rapid visibility of exposed services and known CVEs via automated tooling—ideal for baselining or pre‑campaign/renewal hygiene checks.
Vulnerability Monitoring (monthly/quarterly)
Scheduled assessments with trend reporting, fix validation, and remediation follow‑up—staying ahead of new releases, regulatory changes, and infrastructure evolution.

Outcome: Measurable risk reduction, improved patch cadence, and fewer surprises during audits or seasonal peaks (renewals, catastrophe events).

Why Cybersecurity Matters for Insurance

Protect customer trust: Secure authentication, privacy, and reliable services drive policyholder satisfaction and retention.
Safeguard revenue & loss ratios: Reduce fraud and exploitability across quote and claims flows.
Maintain uptime & resilience: Ensure availability during peak events and regulatory reporting cycles.
Meet compliance obligations: PCI‑DSS, ISO 27001, DORA, and (where relevant) TIBER TLPT provide confidence to regulators, partners, and auditors.
Enable secure scale: Security‑by‑design accelerates product delivery (new lines, partner integrations) without accumulating material risk.

Our Testing Approach (How We Work)

Scoping & Objectives
Define sensitive data (PII, claims, payment details), key flows (quote, bind, claims), compliance needs, and test constraints (production‑safe vs staging).
Threat Modelling
Identify adversaries, high‑value assets (records, tokens, documents, secrets), and attack surfaces (web, mobile, APIs, cloud, CI/CD, partner links).
Execution
Combine manual expertise with tooling for authenticated/unauthenticated testing, exploit validation, and evidence collection.
Clear Reporting
Prioritised findings, risk ratings, proof‑of‑concepts, affected components, and business impact—mapped to OWASP, PCI‑DSS, ISO controls.
Remediation Support
Practical fixes, configuration hardening, secure design patterns, and developer enablement.
Re‑Testing & Assurance
Validate mitigations, provide executive summaries, and recommend monitoring/alerting improvements.

Benefits You Can Expect

Board‑safe visibility with risk‑based findings and clear business impact.
Developer‑friendly guidance with reproducible steps and recommended controls.
Reduced exploitability across quotes, claims, APIs, and mobile apps.
Improved compliance posture and audit readiness.
Operational resilience during renewals, catastrophe events, and product launches.

Who We Work With in Insurance

Personal and commercial lines insurers
Health, life, and specialty carriers
MGAs and brokers/agents
Claims management and TPAs
Aggregators and insurtech platforms

Example Use Cases

Quote engine pentest to prevent business‑logic abuse and premium manipulation.
API pentest of policy and claims endpoints to stop IDOR, data harvesting, and tampering.
Mobile app pentest focused on secure evidence capture and telematics token protection.
Network pentest prior to core system upgrades or cloud migration.
PCI‑DSS pentest for premium collection and refunds where cardholder data is processed.

FAQs (Insurance Security)

Q1: We already do Elective pentests. Do we still need Regulatory pentests?
Yes. Regulatory pentests evidence compliance (PCI‑DSS, ISO 27001, DORA/TLPT where applicable) and are often mandatory. Elective pentests complement compliance by focusing on your unique attack surfaces and business logic.

Q2: Will testing disrupt policyholder or broker portals?
We plan test windows and guardrails to avoid disruption. Where possible, we target staging and perform production‑safe assessments with agreed limits and monitoring.

Q3: How often should insurance organisations test?
Typical cadence: major releases, infrastructure changes, new partner integrations, and at least annually for comprehensive pentests; monthly or quarterly for vulnerability monitoring.

Q4: What deliverables will we receive?
Detailed reports with prioritised findings, risk ratings, reproducible steps, recommended fixes, and executive summaries—plus re‑testing to validate remediation.

Q5: Do you assess cloud and CI/CD security?
Yes. We review IAM, networking, storage, secret management, pipeline hardening, and supply‑chain risks across dependencies and third‑party integrations.