Nearly half of UK businesses now have some cyber cover, but only one in ten has a standalone policy. What insurers actually ask on the proposal form, the exclusions that catch people out, and how a 25-person firm should prepare.
The government's 2026 breaches survey found 43% of UK businesses were attacked in the past year, with phishing behind most of the damage. Here is what actually works against it, in order of effort.
The "Danzell" question set took effect on 26 April 2026. Two new automatic-fail questions and mandatory MFA on every cloud service catch out businesses that passed comfortably last year. A plain-English guide to the changes.
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