Credential-based breaches are the largest single category of cyber insurance claims. Insurers are increasingly asking at renewal: how do you govern who holds credentials to your systems? Policy-based answers — "we have a password policy" or "we require MFA" — are insufficient at an architectural level.

MyCena provides structural credential governance that underwriters can verify: central generation (no user-created credentials), invisible injection (nothing to phish), instant revocation (timestamped log available for submission), and continuous audit trail (evidence ready on demand rather than prepared for renewal).

Organisations at MyCena Resilience or Governance tier have a materially different credential risk profile than the market average. Independent actuarial analysis suggests 10–40% premium reduction in the credential risk component is warranted for Level 4–5 credential governance maturity. This is discussed in the Credential Governance Assessment Standard.