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AI & Pentesting Pulse 2026: The 6 things elite security teams do differently to close the risk gap
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REPORT
AI & Pentesting Pulse 2026: The 6 things elite security teams do differently to close the risk gap
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Give your underwriters and auditors the continuous testing evidence they're asking for

Cyber underwriters are moving from questionnaires to documented proof of ongoing security controls. NAIC model law and SOC 2 now define what that proof has to look like.

NAIC, SOC 2, ISO 27001 Certified

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PROVEN RESULTS

Leader

GigaOm Radar Report for PTaaS

#1

G2 Penetration Testing Tools

24 hrs

to Pentest launch

500+

Expert pentesters

The evidence your underwriters and auditors require. The speed your compliance calendar demands.

Underwriters want proof of continuous testing, not an annual snapshot
NAIC model law is shifting the question from "did you test?" to "can you show documented, continuous proof of security controls over time?"
Cobalt Advantage
Continuous testing with compliance-mapped reporting for NAIC, SOC 2, and ISO 27001. Audit-ready format, every engagement.
Coordinating pentests across portals, APIs, and vendor systems creates gaps your compliance calendar won't forgive
Policyholder portals, claims APIs, underwriting systems, third-party vendors: coordinating multiple pentests creates gaps and exposure windows.
Cobalt Advantage
One platform covers your full attack surface. Launch a pentest in 24 hours against any asset, any system. Documented for risk committees and procurement.
AI for underwriting and fraud detection needs to be tested before deployment
AI/LLM assets carry vulnerabilities at 2.7x the rate of traditional software. Only 38% of those findings are ever remediated, a regulatory exposure for carriers deploying AI in underwriting or fraud detection.
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Cobalt Advantage
Full OWASP Top 10 LLM coverage and supply chain assessments, with documentation designed for underwriter and regulatory review.

What you get

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Audit-ready reporting
NAIC, SOC 2, ISO 27001. No reformatting.
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Continuous cadence
Continuous coverage, not annual snapshots. The model that closes critical findings 4.5x faster.
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Launch in 24 hours
No six-week lead time. Active testing starts the next day.
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AI/LLM testing
Prove underwriting and fraud models are tested pre-deployment.
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Direct tester access
Ask questions, dispute findings, request clarification. Same expert, start to finish. No ticket queue, no account manager relay.
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CREST-certified expertise
500+ pentesters with an average of 11 years experience plus a 5% acceptance rate.

How insurance technology organizations build a defensible security posture with Cobalt

An insurance software provider serving large carriers scaled its pentesting program across a growing portfolio of web applications and APIs. Cobalt delivered PCI-DSS and SOC 2 compliant reporting, identified complex chained exploits internal teams couldn't find, and provided pentesters with the specialized expertise to validate fixes at speed.
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The gap between top and bottom security programs is 25x. For insurance organizations, closing it is a documentation requirement.
Organizations running programmatic security programs are 4.5x more likely to resolve critical findings within three days. The ones running annual tests are producing the point-in-time snapshots that cyber underwriters and NAIC auditors are moving away from.
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RESOURCES

The latest thinking in insurance offensive security

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SOC 2 Compliance

How Cobalt maps to SOC 2 requirements, built for compliance teams and GRC leaders.

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Analyst Report
GigaOm Radar for PTaaS 2025

Independent analyst validation of Cobalt as a Leader in penetration testing as a service.

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Analyst Report
ROI of Pentesting as a Service

PTaaS delivers 96% higher ROI than traditional pentesting, with 62% fewer management hours and 78% faster triage.

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Build the evidence your underwriters and auditors are asking for.

Insurance organizations using Cobalt launch their first pentest within 24 hours and produce audit-ready compliance reports from the first engagement.

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