Your insurer has started asking a different question.
Cyber policies used to price what you bought. Tools on a list, an annual audit, a tick against recovery. Underwriters have stopped trusting the list. What they price now is the thing a claim actually depends on: how fast you restart when the whole network is gone.
The shift
The economics are simple from the carrier’s side. The average ransomware claim runs into millions, and almost all of it is business interruption. Every hour of restart time the insured can prove shortens the claim. So proof of fast restart is worth real money on a policy, and carriers have started paying for it.
That turns a resilience purchase into a spread: what the unit costs on one side, what the policy gives back on the other.
“Can you recover in 4 hours when admin credentials are gone and the backups are encrypted?”
That is the question underwriters are learning to ask. Answered with proof, it makes the policy cheaper. Answered with silence, it makes the policy expensive, or unwritable.
The policy math
Carriers that have assessed the HyperBUNKER unit treat it as a recovery control, and price it into the policy. In practice that shows up three ways: credits on the premium, a shorter waiting period before business-interruption cover pays, and higher limits on the same risk.
Cowbell lists HyperBUNKER as a recovery control. Installed, it qualifies the insured for a $6,000 policy discount. Ask your broker what your carrier offers; the list is growing.
Price the unit against the policy, not against the IT budget.
Frequently asked questions
Why do insurers reduce premiums for recovery hardware?
Because the claim is mostly downtime. Business interruption dwarfs the ransom in a typical ransomware loss, and restart speed is what caps it. A control that provably cuts restart time cuts the carrier’s expected loss, so it is worth premium.
What is physically isolated recovery?
A restart copy of your critical systems held on hardware with no operating system and no network interface. An attacker who owns your network, your credentials, and your recovery tools still cannot reach it, because there is nothing to reach it through.
Does this replace our existing recovery setup?
No. It sits underneath it. Everything you run today handles the ordinary failures. The unit exists for the day all of it is compromised at once, which is the day the insurer is pricing.
How do we get the premium benefit?
Ask your broker whether your carrier lists HyperBUNKER as a recovery control. Cowbell does today, with a $6,000 policy discount. If your carrier doesn’t yet, your broker can raise it; underwriters take this conversation.
What will the underwriter ask us?
One question matters most: can you recover in 4 hours when admin credentials are gone and the backups are encrypted? The self-assessment on this page is built to answer it with evidence.
When the underwriter asks the 4-hour question, what is your answer?
Bostjan Kirm, Chief Executive
hyperbunker.com
Cowbell recovery-control listing · public incident reporting on processor downtime · carrier claims reporting. Figures current August 2026.
What cyber insurers now ask about recovery · Run The Restart Copy Test