The new, easier risk check

Our risk check is now much easier. For you, this means fewer questions and faster processing — without sacrificing security.

What has changed?

Until now, depending on the size of the company, many questions had to be answered. Now we've reduced the number:

• Small companies (up to 100 million euros in turnover): No change
• Medium-sized companies (100-250 million euros turnover): 71.4% fewer questions (only 12 instead of 42)
• Larger companies (250-500 million euros turnover): 62.8% fewer questions (only 16 instead of 43)

Minimum requirements and premium relevance

Start the day with the full aroma of safety: Baobab protects companies as reliably as the first coffee wakes you up.

We have adjusted our minimum requirements — with just the essential requirements, a binding offer can already be generated and the policy concluded.

Attention: If you answer “No” to one of the minimum requirements, you will receive a red error message. In this case, no binding offer can be made.

Further questions only appear if an answer is not one of the minimum requirements but is relevant for a better reward.

Underwriting review: If one of your answers triggers an underwriting review, you can immediately recognize this by either clicking “Save & Calculate” or “Review Details.” The respective question is then marked accordingly.

These questions are omitted:

• Backups: Off-domain backups & MFA for backups

• Management: ISMS & IS risk management

• Identity and access management: Some process and access controls, including password managers & admin tiering

• Network security: IT inventory, reduction to a core issue about network segmentation

• Network monitoring: IDS/IPS, SIEM, SOC

• Third party risks: Security due diligence & liability agreements