Insurance Penetration Testing

Two things make insurance a distinct target. First, the data: a single policy record can be enough for full identity theft, and claims files often hold medical detail that is special-category data under GDPR. Second, the money: claims and payment logic is a direct route to fraud if authorization is weak. We test for both, not just for data leaks.

Delegated authority is normal in insurance, and it is also a common weak point. A broker portal that trusts its users too much, or an API that lets one agency read another’s book, turns a single compromised broker login into a mass data-exposure event. We test these boundaries hard.

We map the external surface with nmap and content discovery using ffuf, catalogue every portal, subdomain and API, and fingerprint the platforms in use. Legacy policy systems and forgotten broker microsites often surface here, and they are frequent entry points.

Using Burp Suite we test authentication, session handling and authorization across policy, claims and broker systems, and across both REST and GraphQL APIs where present. IDOR and broken access control lead the findings: can a policyholder read another’s file, or a broker reach a different agency’s book? We test SSRF, injection and privilege escalation, and we probe claims logic for ways to inflate or misdirect a payout.

Where card payments are in scope we test the payment flows and any stored cardholder data against the PCI DSS 4.0 external-testing requirement in section 11.4, so the report supports your compliance evidence.

You receive an executive summary for leadership and a technical report for engineers, with every finding scored by CVSS, described in business terms (regulatory exposure, fraud risk, data loss), reproducible step by step, and paired with a prioritized fix.

Policyholder and claims portals that expose another customer’s file by changing an identifier are the most common serious finding, and in a claims system that can mean leaking medical data.

Weak authorization in claims workflows can let a user approve, alter or accelerate a payment they should not control. These are logic bugs, invisible to scanners, that we find by understanding how a claim is meant to flow.

Delegated-access APIs frequently over-trust the caller, returning more data than the interface shows or missing per-tenant authorization. We inspect the raw API responses against OWASP ASVS.

Missing MFA on broker and staff accounts, plus predictable password resets, let attackers hijack a login with wide access to policyholder data.

The Digital Operational Resilience Act sets ICT risk and resilience-testing obligations for financial entities, including many insurers, across the EU. We shape the engagement and evidence to support your DORA testing requirements.

Claims files often contain health information, which is special-category data. We flag any exposure that would trigger GDPR breach obligations and treat sensitive data with appropriate care.

The report supplies the independent-testing evidence for ISO 27001 control A.12.6 and, where card data is in scope, satisfies the PCI DSS 11.4 external-testing requirement.

Insurers themselves increasingly require evidence of penetration testing before binding or renewing a cyber policy, and brokers ask their clients to prove it. Our fixed-scope engagement and attestation letter give underwriters exactly the assurance they want, whether you are the insurer setting the bar or the insured meeting it.

Full identity records plus financial and health detail make a policy file a complete fraud kit. Criminals who reach your data can commit identity theft at scale and file fraudulent claims that look legitimate because they carry real personal information.

The money in claims workflows is a direct target. Where authorization is weak, an attacker or a dishonest insider can approve, inflate or redirect a payment. We test these paths as carefully as we test data exposure, because the financial impact is immediate.

Brokers, aggregators and outsourced administrators all hold access to your systems. A weak link in any of them can become your breach, so we test the boundaries and APIs that connect them rather than assuming a trusted partner is safe.

Carriers usually start with the core policy and claims platforms and the APIs feeding brokers and aggregators, then extend to internal network and payment testing. DORA and ISO 27001 evidence is often a driver, so we build the deliverables around it.

Intermediaries need their portals and delegated-access APIs tested, since a single compromised login can expose an entire book of business. The engagement focuses on authorization and tenant isolation.

Fast-growing platforms need application and API testing that keeps pace with frequent releases, and the independent evidence that enterprise partners and underwriters now demand before they will integrate.

Every finding is documented so a developer can reproduce and resolve it, and we stay available to your team while they work through the list. Where the right fix is not obvious, we recommend a specific approach instead of leaving you with the problem alone.

After you remediate, we retest the reported issues at no extra cost and confirm each is closed. The result is documented proof for auditors, regulators and underwriters that the weaknesses were addressed.

DORA and good practice both point toward regular testing rather than a one-off. Many insurers move to an annual programme plus testing on significant change, so their resilience evidence stays current across the year.