“The application says MFA is on everywhere. Nothing on it shows me that.”
Tuesday morning: A renewal application with a page of yes/no answers, a broker who needs it back by Friday, and no way to tell which answers were measured and which were typed.
They search for:
The insured’s posture grade is computed from signals such as MFA coverage, time to patch and open critical and high vulnerabilities, read from its connected tools and recomputed as they change, not typed into a form.


Evidence the insured uploads keeps an append-only history: who uploaded it, when, and a hash of the file. A control the application says is in place has a record with a date on it.


The insured can share a frozen snapshot of its posture summary through a link that expires, and issue a signed receipt for a measured control that you can verify without contacting CMDash.


The prioritized safeguard set, useful as a starting program when a formal certification is not the goal.
The current CSF, including the GOVERN function. Used as the hub other frameworks crosswalk through, so evidence you map once counts in more than one place.
The 2022 Annex A control set, with evidence mapped from your connected tools and a crosswalk that carries the same evidence into ISO 42001.
Trust Services Criteria tracked continuously, so the evidence for your next Type II window accumulates instead of being assembled the month before.
MFA enrolment and factor coverage, suspicious sign-in events, and the SaaS app catalog — the broadest identity signal cmdash ingests.
Pulls managed hosts, detections, and host vulnerabilities from Falcon so endpoint-protection controls are evidenced by live agent coverage rather than a spreadsheet.
Reads your AWS configuration directly — root MFA, root access keys, password policy, S3 Block Public Access, CloudTrail, KMS key rotation and EBS encryption. Needs a read-only IAM credential and nothing else; no Security Hub subscription required.
Reads your Azure subscription configuration directly — storage account public access and secure transfer, managed-disk encryption, and activity-log export. Needs a Reader role assignment; no Defender for Cloud plan required.
For a control CMDash measures, the insured can issue a signed receipt: a cryptographically signed statement of what was counted (the numerator, the denominator and what could not be read), verifiable without contacting CMDash.
When someone at the insured has to put a name on a statement, the Signer’s File assembles it from signed receipts. Every contradiction in the insured’s records routes to fix, disclose or narrow before the owner signs; “acknowledge and sign” is never offered.
The verifier that checks a receipt, its specifications and its test vectors are published as an open-source repository.
The insured can also send you a frozen snapshot of its posture summary through a public link that expires (14 days by default, 90 at most), with an optional passcode.
The insured’s posture grade, A to F, is computed from up to seven weighted signals: time to patch, MFA coverage, open critical and high vulnerabilities, incident frequency, policy compliance, SaaS sprawl and DLP events. It is recomputed every 4 hours for an organization with a connected tool, and on demand. Posture scoring is included on every paid plan.
From Starter, daily e-mail and DNS security checks run for one domain the insured has proven it owns (SPF, DKIM, DMARC, MTA-STS, TLS-RPT, DNSSEC, CAA and dangling-CNAME takeover), graded A to F and tracked over time, with an alert when a check gets worse.
Evidence the insured uploads by hand keeps an append-only history (the uploader, the time and the file’s SHA-256) and goes through an evidence review workflow.
The controls a cyber-insurance underwriter asks about most: multi-factor authentication, endpoint-detection coverage, backups and e-mail authentication. Each line says whether it is measured or only stated by the supplier.
| Line | Basis | How it is established |
|---|---|---|
| Multi-factor authentication | Measured | Enrolment counted over identities reconciled from the supplier’s connected identity providers; an identity whose state is unknown is not counted as enrolled. |
| Endpoint-detection coverage | Measured | Hosts running an endpoint-detection agent, counted over the supplier’s connected integrations; an unknown host is not counted as covered. |
| Backups | Measured | Read from the supplier’s connected AWS accounts through AWS Backup: an account counts only when a backup plan that selects resources exists and every resource enrolled in AWS Backup has a recovery point from the last seven days. No plan, an empty plan, a stale backup, or a read that failed is not counted as met. Data outside connected AWS accounts is not measured; resources not enrolled in AWS Backup are not counted. Where no AWS account is connected, nothing is measured and no backup claim is issued. |
| E-mail authentication (SPF, DKIM, DMARC) | Measured | Read from public DNS for each domain the supplier has verified: a domain counts only when SPF, DMARC at quarantine or reject, and a strong DKIM key were all observed. A missing or weak DMARC policy, or a record that could not be read, is not counted as met. |
CMDash is not an insurer, a broker or an underwriting tool. It does not rate risk, price coverage or change a premium. What the insured shows you, and what you make of it, stays between you and the insured.
CMDash Cloud is where most teams start. If your data has to stay inside a boundary you control, the same product can run on your own servers or in your own AWS account, in early access on the Enterprise plan. These are deployment choices, not compliance claims: CMDash does not certify your environment.
Start on CMDash Cloud to test it on real work, then move with export and import: the organization owner exports a full archive and imports it into the new installation. How export and import work and the deployment options.