# How secure password management helps you qualify for better cybersecurity insurance coverage ## The security challenges An increasing online footprint means more data for cybercriminals to exploit, and the numbers tell a sobering story. According to the Identity Theft Resource Center's 2024 Annual Data Breach [Report](https://www.idtheftcenter.org/post/2024-annual-data-breach-report-near-record-compromises/), U.S. data compromises totaled 3,158 incidents, with cyberattacks accounting for 80% of breaches — many driven by compromised credentials that could have been prevented with strong password policies and multi-factor authentication. These incidents exposed more than 1.7 billion individuals to identity theft and fraud. When breaches happen, the consequences are steep. Companies deal with reputational damage, customer backlash, revenue loss, and potential legal action. The average cost of a data breach reached $4.44 million globally in 2025, though U.S. organizations faced significantly higher costs at $10.22 million, according to IBM's Cost of a Data Breach [Report](https://www.ibm.com/reports/data-breach), underscoring the importance of cyber insurance for business continuity. **Weak password practices compound the risk.** The [Bitwarden World Password Day Survey](https://bitwarden.com/it-it/resources/world-password-day-2024/) found troubling trends: a quarter of global respondents reuse passwords across 11-20+ accounts, while over a third use personal information in credentials that's publicly visible on social media and forums. These risky habits directly impact insurance eligibility and premium rates. Additionally, 30% resort to shadow IT solutions, a practice that can render cybersecurity insurance coverage ineffective. These habits directly influence how insurers evaluate organizational risk, since credential handling and access controls are core factors in underwriting decisions. ## What cybersecurity insurance actually covers With high-profile breaches such as SolarWinds, Colonial Pipeline, and the MOVEit supply chain attack, businesses are increasingly viewing cyber insurance as essential. Cyber insurance adoption [continues to grow](https://www.munichre.com/en/insights/cyber/cyber-insurance-risks-and-trends-2025.html) as organizations recognize the financial protection it provides against disruptive and sophisticated attacks, making it a critical requirement rather than an optional safeguard. The good news is that there are [steps businesses can take to protect themselves](https://bitwarden.com/it-it/blog/security-advice-for-small-and-midsize-businesses/) against the fallout of a data breach.  The [Federal Trade Commission](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) outlines two primary forms of coverage: first-party coverage, which applies to an organization’s data and recovery activities, and third-party coverage, which applies to liability claims. First-party policies typically cover legal counsel, data recovery efforts, business interruption losses, and regulatory penalties. Third-party coverage addresses consumer notifications, claims, settlements, and forensic accounting costs. Modern policies increasingly include protection related to AI-driven phishing and social engineering incidents. Here's the catch: **finding an insurer willing to cover you requires proof of mature security practices.** According to the Verizon 2025 Data Breach Investigations Report, [60% of breaches](https://www.verizon.com/business/resources/Tea/reports/2025-dbir-data-breach-investigations-report.pdf) involve human error, including credential abuse (22%) and phishing (16%). With [60% of IT decision makers](https://bitwarden.com/it-it/resources/2023-password-decisions-survey-results/) reporting a cyberattack in the last year, underwriting pressure has increased, and password managers are facing heightened scrutiny. ## How password management improves your insurance prospects **Password managers are now considered essential security controls by cyber insurers.** Many providers require enterprise [password management](https://bitwarden.com/it-it/blog/choosing-the-right-password-manager-for-your-business/) as a prerequisite for policy approval, and documented usage can influence premium assessments.  > [61%](https://bitwarden.com/it-it/resources/2023-password-decisions-survey-results/) of IT and cybersecurity leaders had to demonstrate password manager usage when applying for cyber insurance. Bitwarden can help businesses qualify for cybersecurity insurance and support readiness in several ways: - **Generates**[**strong, unique passwords**](https://bitwarden.com/it-it/blog/world-password-day-strong-passwords-heroes-internet-security/) that align with underwriting requirements and mitigates credential reuse risks identified among [72%](https://www.businesswire.com/news/home/20250423085569/en/Gen-Zs-Password-Fatigue-Finds-72-of-Digital-Natives-Reuse-the-Same-Password-Across-Accounts) of younger workforces. - **Enables secure access from any device, supporting** remote and hybrid environments without relying on unmanaged credential handling.  - **Facilitates  secure password sharing** while maintaining access records that support audit trails and compliance requirements. - **Standardizes**[**strong password policies**](https://bitwarden.com/it-it/blog/employee-password-management-onboarding-and-beyond/) across the organization, reducing inconsistent or informal credential practices. - **Demonstrates** transparent security design through trusted  open source security, end-to-end encryption, and third-party audits for insurer review. - **Strengthens the organization’s security posture** in ways that support more favorable policy terms during underwriting discussions. ## Get started with Bitwarden > [92%](https://bitwarden.com/it-it/resources/2024-cybersecurity-pulse-survey/) of IT and cybersecurity leaders agree that password managers are essential to their organization's security strategy. Using Bitwarden demonstrates the proactive security posture that cyber insurers increasingly require. With vault health reports and automated credential management, organizations can demonstrate to insurers that they have the visibility and control necessary to minimize password-related risks. **Ready to strengthen your position?** Start with a [free enterprise trial](https://bitwarden.com/it-it/pricing/business/) or [free individual account](https://bitwarden.com/it-it/pricing/) today. ## Ottieni subito una sicurezza per le password potente e affidabile. Scegli il tuo piano. ## Personale ### Hai appena iniziato? *Ottieni una gestione di base delle password oggi stesso. Sempre gratis.* [Crea un account gratuito](https://bitwarden.com/go/start-free/) --- ### Premium **$1.65** *al mese* *Con fatturazione annuale a 19,80 USD* Scopri le funzionalità premium - Autenticatore integrato - Allegati file - Accesso di emergenza - Blocco del phishing - Report di sicurezza e altro Condividi gli elementi della cassaforte con un altro utente [Crea un account Premium](https://bitwarden.com/go/start-premium/) --- ### Famiglie **$3.99** *al mese* *Fino a 6 utenti, con fatturazione annuale a 47,88 USD* Proteggi gli accessi della tua famiglia - 6 account premium - Condivisione illimitata - Raccolte illimitate - Spazio di archiviazione dell’organizzazione Condividi gli elementi della cassaforte tra sei persone [Inizia la prova gratuita per Famiglie](https://bitwarden.com/go/start-families-trial/) --- Prezzi indicati in USD e basati su un abbonamento annuale. Tasse escluse. ## Business ### Teams *Per team e aziende in crescita che devono muoversi rapidamente.* **$4** *al mese / per utente, con fatturazione annuale* **Nessun compromesso** Tutte le funzionalità Premium, più funzionalità avanzate come: - Condividi le credenziali in modo sicuro - Controlla le attività con i log eventi - Sincronizza la directory esistente - Automatizza il provisioning con SCIM [Avvia la prova gratuita](https://bitwarden.com/go/start-teams-trial/) --- ### Enterprise *Per aziende che necessitano di protezione e controllo avanzati.* **$6** *al mese / per utente, con fatturazione annuale* **Massima protezione** Tutte le funzionalità Premium e Teams, più funzionalità di livello enterprise come: - Controllo granulare degli accessi - Integrazione SSO senza password - Recupero account semplificato - Flessibilità di self-hosting - Mitigazione dei rischi con Access Intelligence [novità] - Piano Families gratuito per tutti gli utenti [Avvia la prova gratuita](https://bitwarden.com/go/start-enterprise-trial/) --- ### Parla con il team vendite *Per le grandi organizzazioni, parla con un esperto di un piano su misura e scopri come Bitwarden può:* *al mese* - Ridurre il rischio di cybersecurity - Aumentare la produttività - Integrarsi perfettamente Bitwarden si adatta ad aziende di qualsiasi dimensione per portare la sicurezza delle password nella tua organizzazione [Parla con il team vendite](https://bitwarden.com/talk-to-sales) --- Prezzi indicati in USD e basati su un abbonamento annuale. Tasse escluse.