Why underwriters ask about it
multi-factor authentication is the single control cyber insurers ask about most. An AI tool connected to your calendar, phone, and payments is worth protecting like a bank login.
How to fix it
- Turn on multi-factor authentication for every AI tool and every account it connects to.
- End shared logins: one person, one account (agents get their own — R2.3).
- Move passwords into a password manager.
Evidence to keep
a line in the inventory per tool: "MFA on, individual accounts."