Cybersecurity has become a top priority for insurers as digital adoption accelerates. With carriers, MGAs, and agents operating in cloud environments, exchanging sensitive data, and managing increasingly digital claims and underwriting processes, the risk of cyber exposure has grown significantly. Regulations are tightening, customer expectations are rising, and insurers can no longer rely on outdated security practices.
As insurers modernize their technology stacks, platform security and reliability are no longer optional. “Broadly, I would classify our focus areas into three categories. The first includes core security measures like infrastructure security and encryption. The second is adapting to new authentication methods and regulatory requirements. The third is addressing AI-related security concerns,” says Lava Jois, CTO of Cogitate.
This article highlights the three essential security standards every insurer should check when evaluating internal systems or choosing insurtech partners. Meeting these standards is critical for protecting policyholder data, ensuring platform stability, and maintaining regulatory compliance across the insurance value chain.
What It Ensures
SOC 2 evaluates a vendor’s controls related to:
For insurers, SOC 2 is proof that a technology partner follows strict protocols to safeguard policyholder and operational data.
Why It Matters for Insurers
Policy, billing, claims, and underwriting systems store highly sensitive customer and financial information. SOC 2 compliance demonstrates:
What Insurers Should Check
The Cogitate DigitalEdge Platform is built on enterprise-grade cloud infrastructure with:
These controls support carrier-level security expectations while maintaining system stability and availability.
“As a provider, we need to demonstrate how secure our systems are. That includes things like having a zero-trust architecture and ensuring every layer of our system is protected, as well as clearly showing how we safeguard customer data. Certifications such as SOC 2, which we have completed, are also important indicators. They help demonstrate the maturity of an organization’s security posture.” said Lava Jois.
What It Provides
NIST organizes cybersecurity into five areas:
It serves as a guiding framework for insurers to align with federal best practices.
Why It Matters for Insurers
Following NIST helps insurers:
What Insurers Should Check
Cogitate supports NIST-aligned cybersecurity through:
This ensures carriers and MGAs maintain operational resilience and compliance with best-practice cybersecurity models.
And with a modular, microservices architecture, security controls remain consistent across the entire platform.
When evaluating technology partners, insurers should prioritize:
Together, these standards form a strong foundation for cybersecurity and compliance in modern insurance operations.
That commitment to secure, scalable innovation is reflected in Cogitate’s continued growth. “We’re thrilled to be recognized on the Inc. 5000 list of America’s Fastest Growing Private Companies,” says Arvind Kaushal.
To stay secure in a digital-first insurance environment, it’s essential to audit your current vendors and internal systems against these three standards and ensure your insurtech partners follow them as well.
See how Cogitate meets enterprise-grade security standards across policy, billing, claims, and analytics. Request a demo.
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