Control Coverage Calculator

BindLedger's 15 normalized underwriting controls form the foundation of cyber insurance questionnaires across every carrier. These controls cover the core security domains that underwriters focus on: multi-factor authentication, encryption and data protection, backup and recovery, endpoint detection and response, email security, incident response planning, employee security training, vendor risk management, access controls, vulnerability management, network segmentation, security monitoring, and more. Every carrier supplement you encounter maps back to these 15 controls, though each carrier uses unique language to describe them. Control coverage analysis shows you which of these 15 areas a specific carrier's questionnaire actually addresses.

When you upload a supplement to the Control Coverage Calculator, it identifies exactly which of the 15 controls are covered by that carrier's questions and which controls are notably absent. For example, a carrier might ask extensively about incident response, backups, and MFA, but remain silent on endpoint detection or vulnerability management. These gaps don't mean you don't have the controls—it means that particular carrier isn't asking about them in their underwriting process. Understanding these gaps helps you interpret what the carrier cares about, where to focus your evidence gathering, and which controls are less critical to that carrier's decision-making.

Coverage analysis becomes powerful when you're managing evidence across multiple carriers or building a reusable evidence library for your organization. If one carrier focuses on backups and disaster recovery but another emphasizes EDR and threat detection, you can prioritize evidence collection on what each carrier actually cares about. BindLedger maps your evidence directly to the 15 controls, so evidence you gather can be automatically tagged and reused anywhere those controls appear—across renewals, during shopping periods, and throughout your book of business. This transforms questionnaire completion from a repetitive, carrier-by-carrier chore into a strategic evidence management process.