A household with refrigerated medication says the paid route delivered a worse practical outcome than the free one, and that the later data request became a dispute of its own.
Over 40% of UK cyber claims are denied. Not because businesses are fraudulent: because the real product insurers sell is plausible deniability, not coverage.
UK insurers check six specific technical controls after a breach. If they're not in place and documented, your claim is at risk. Here's the practical checklist for UK SMBs.
Your cyber policy probably excludes losses from state-backed attacks. You may not have read that clause. If a nation-state campaign sweeps through your sector, it could void your cover entirely.
Every answer on your cyber insurance proposal form will be checked against your network logs if you ever claim. Most SMBs answer how they'd like things to be, not how they actually are.
UK insurers paid £197 million in cyber claims in 2024. Impressive. But industry data shows over 40% of claims face denial or partial payment. The problem isn't the attack. It's the proposal form you filled in 18 months ago.
A 30-minute walkthrough any small business owner can do without specialist knowledge. By the end, you'll have a clear list of what's safe, risky, and what needs to go.
Article 32 of UK GDPR requires 'appropriate technical measures' to protect personal data. Running unpatched, out-of-support software is very difficult to defend as appropriate.