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Industry

Technology and security for insurers and insurtech

Insurers hold large volumes of personal data in policy systems that predate modern security design, and are digitizing distribution and claims at the same time. Onion Infosec works on both the modernization and the protection.

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Sector
Insurance
Segments
Life and health, Property and casualty, Reinsurance, Brokers and insurtech

01Context

Insurers keep decades of personal data: health, financial and behavioral.

Much of it sits in policy administration systems that were designed before current security practice and are difficult to change.

Digital distribution, claims automation and partner portals widen the surface. Agents, brokers, aggregators and repair or care networks all connect to core systems, with uneven security maturity. When claims operations stop, payouts to customers are delayed, and supervisors pay attention.

02Technology

What the sector builds and runs.

Policy administration modernization
API layers, data migration and phased replacement of legacy policy and billing systems, with cloud hosting designed around data residency and retention rules.
Claims and underwriting automation
AI for document intake, triage and summarization, built with human review points, data minimization and a record of how each output was produced.
Distribution platforms
Agent and broker portals, aggregator integrations, customer self-service apps and embedded insurance APIs.
Data platforms and operations
Analytics and actuarial data environments with access control and masking, plus managed IT, monitoring and support for the corporate estate.

03Risk

The risks that matter most.

Mass data theft
Policyholder databases are high-value targets for identity fraud and extortion because of the depth of personal detail they hold.
Ransomware against claims operations
Business interruption where downtime directly delays customer payouts and brings regulatory scrutiny.
Agent and partner channel compromise
Distributed sales and service networks with uneven security maturity and standing access to core systems.
Legacy policy system exposure
Long-lived platforms given modern connectivity through portals and APIs without a matching update to their security assumptions.

04Regulation and assurance

What you may need to demonstrate.

ISO 27001 and NIST CSF are the usual baselines. GDPR governs personal data, HIPAA applies where health information is handled in the United States, PCI DSS covers premium payments by card, and DORA brings EU insurers into its resilience regime. US state rules include NYDFS 23 NYCRR 500 and the NAIC model law. Regional examples include IRDAI’s information and cyber security guidelines and the DPDP Act in India.

  • ISO 27001
  • NIST CSF
  • GDPR
  • DORA
  • PCI DSS
  • HIPAA
  • NYDFS 23 NYCRR 500
  • NAIC Insurance Data Security Model Law
  • IRDAI cyber security guidelines

Which of these apply depends on where you operate and what you do. We scope against your actual obligations.

Framework library

05Where we usually start

Services that matter most here.