Exclusions
Top denial drivers — and how the workflow responds
Insurers deny or limit payment when attestations, maintenance, or notification requirements fail. Each card links to stages in how it works.
Poor security practices / non-compliance
Why claims fail: Attested controls were missing or not maintained when the loss occurred.
Our workflow: S2 accuracy review, S3 Quick-Fix, S5 continuous attestation with drift alerts.
Pre-existing vulnerabilities
Why claims fail: Known issues predating the policy or not remediated before bind.
Our workflow: S2 gap analysis with dated remediation evidence in the risk portfolio (S4).
Application misrepresentation
Why claims fail: Questionnaire answers do not match forensic findings.
Our workflow: S2 flags un-evidenced “Yes” answers before broker submission.
Workflow: S2
Social engineering (no endorsement)
Why claims fail: Policy form excludes wire fraud unless specifically covered.
Our workflow: Document training + MFA; broker pursues endorsement — we do not promise coverage.
Failure to maintain safeguards
Why claims fail: MFA disabled, backups failed, or EDR removed mid-term.
Our workflow: S5 monthly control status and quarterly attestation reports.
Late carrier notification
Why claims fail: Policy requires prompt notice; delays can limit coverage.
Our workflow: S6 IR readiness packet with carrier notification path and contacts.
Workflow: S6
KJ Digital Solutions is a risk-reduction consultancy — not an insurer, broker, or guarantor of coverage, premiums, or claim payouts. The carrier determines coverage; you remain responsible for maintaining controls for the policy term.