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October 28, 2025Why Your Code Quality Directly Impacts Your Insurance Premiums
Did you know your engineering team’s workflow could be costing you more than just technical debt? For tech leaders, smart risk management directly translates to lower insurance costs. Let’s explore how cleaner code and better practices can make your company more insurable and less expensive to protect.
The Real Price of Cutting Corners
Modern insurers aren’t just looking at your security budget – they’re examining your actual code health. Recent data shows companies with:
- More than 3 monthly production outages
- Known vulnerabilities left unpatched
- Less than 80% test automation coverage
Paid 27-42% higher premiums last year. Ouch.
1. Bake Security Into Your Development Process
Why Insurers Notice Shift-Left Practices
Here’s a simple GitHub Action that makes both your security team and insurer happy:
# Sample GitHub Action for SAST
name: Security Scan
on: [push]
jobs:
sast:
runs-on: ubuntu-latest
steps:
- uses: actions/checkout@v3
- name: Run Bandit (Python SAST)
uses: PyCQA/bandit@main
with:
args: -r ./src -f json -o results.json
Teams using tools like Bandit slashed their vulnerability remediation time by 68%. That’s the kind of metric that gets underwriters’ attention.
2. Build Monitoring That Gets Results
The Magic Number: MTTD <15 Minutes
“No full coverage without proof you can detect breaches in under 15 minutes” – Global Cyber Underwriting Report 2024
This isn’t just insurance jargon – it’s your target for alert responsiveness.
3. Tame Your Dependency Chaos
That open-source library you’re using? Insurers want to know about it. Generate your Software Bill of Materials with:
cyclonedx-bom -o bom.xml
Companies maintaining SBOMs cut their open-source risk exposure by more than half. It’s like giving insurers a transparency roadmap.
4. Turn Compliance Into Code
Show Insurers You’re On Top of Requirements
Policy-as-code turns abstract rules into enforceable standards:
# Open Policy Agent Example
package main
default allow = false
allow {
input.action == "read"
input.subject in {"user", "admin"}
}
These automated checks create the audit trail insurers want to see during renewal negotiations.
5. Negotiate From Strength With Hard Data
What Actually Lowers Your Premium
Here’s what moves the needle during negotiations:
- Detecting issues in under 12 minutes (MTTD)
- Fixing critical problems within 4 hours (MTTR)
- Full control over privileged access
- Weekly vulnerability scans with 95%+ coverage
The Bottom Line: Better Code = Lower Premiums
When we implemented these strategies with engineering teams last year, the results spoke for themselves:
- Cyber insurance savings averaging 30%
- Security incidents cut in half
- Faster claims approval when issues arose
Your risk management isn’t just about security – it’s becoming a measurable financial asset. What would a 30% insurance reduction do for your budget?
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