VPN replacement is the rare security investment that often pays back at your next cyber insurance renewal. For mid-market organizations, replacing the VPN appliance your underwriter has likely flagged as a risk can translate into a 5– 12% reduction in renewal costs. That’s real money. Your CFO can model those savings against the cost of the VPN replacement project and just as importantly, factor in the financial risk of staying on your legacy VPN.
Carriers are still competing for well-controlled risks. However, this may soon change as concerns regarding AI-related risk grows. Marsh's Global Insurance Market Index recorded its sixth consecutive quarter of rate declines in Q4 2025. Cyber led the descent. Rates fell 7% globally in the fourth quarter, with declines in every region. John Donnelly, President of Global Placement at Marsh Risk, said clients have the opportunity in 2026 to secure reduced premium rates and negotiate broader terms.
Aon, the world's second-largest insurance broker, identifies perimeter devices like firewalls and VPNs as the most common entry point for attackers in its 2025 Global Cyber Risk Report.
Aon’s CyQu underwriting platform turns organizations’ security posture into a number underwriters act on. In February 2026, Aon went further: integrating SecurityScorecard's external attack-surface scanning, providing underwriters with an outside-in view of exposure. Risk is no longer measured by underwriters reviewing questionnaire responses, it is now something they are beginning to validate.
In August 2025, Coalition's Chief Underwriting Officer, Tiago Henriques, noted that a growing number of cyber policies now contain endorsements excluding claims arising from unpatched vulnerabilities. Henriques described one U.S. carrier’s policy excluding losses from CVEs rated above 8.0 if a patch was available for three weeks and not applied. Insurance group Chubb has a name for this: the Neglected Software Exploit Endorsement. Other carriers use sliding-scale payouts that shrink the longer a CVE sits open. Mechanism varies, but the intent is consistent.
Beyond claim exclusions, the risk is real. In every wave of major VPN incidents over the last 24 months, the window between disclosure and exploitation was measured in days.
Most ZTNA deployments answer the question the underwriter is asking today: did you replace the exposed appliance?
They don't answer the question you want to answer for yourself: can you prove what flows through the ZTNA is clean? Only Trinity Cyber's Full Content Inspection™ delivers real zero trust, by parsing network sessions — files, scripts, protocols — and removes threats inline in real time before they reach your environment.
VPN replacement is the highest-leverage security decision you can make this quarter. Not only because of the insurance implications, but because they are frequently exploited and standard ZTNAs don’t close the gap.