Cyber insurance is often misunderstood. It’s an important safety net, but it doesn’t prevent attacks, block threats, or fix security weaknesses. Think of it like car insurance — it helps you recover, but it won’t stop a crash.

What insurance does do:

• Covers some of the financial impact after an incident
• May support legal, recovery and notification costs
• Helps you get specialist help during a serious breach
  

What it does not do:

• Protect your systems from cyber criminals
• Stop phishing, ransomware, or stolen credentials
• Detect or contain an attack
• Replace proper cyber security controls
  

In fact, most insurers now require stronger safeguards such as:

• Advanced email security
• Endpoint detection & response (EDR)
• 24/7 monitoring
• Robust cloud configuration
• Tamper-proof backups
  

Without these in place, claims can be reduced or rejected.

The Proactive package offers businesses the layered protection insurers anticipate — and significantly lowers the likelihood of ever having to make a claim.

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