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HM NETWORK

Cyber Insurance Alone Won’t Save You

Here’s Why Training Your Team Matters

Many businesses are waking up to the risks of cybercrime, from phishing scams and ransomware to insider mistakes that can open the door to an attack. For peace of mind, some turn to cyber insurance.

But here’s the catch: having a policy doesn’t mean your insurer will automatically pay out.

Just like car insurance expects you to lock the doors and keep your MOT up to date, cyber insurance often requires certain protections to be in place before claims are honoured. These can include:

  • Robust backups and recovery processes

  • Up-to-date security software

  • Access controls and strong password policies

  • Regular cyber awareness training for staff

And it’s easy to see why. According to numerous studies, over 80% of successful cyber attacks start with a human clicking the wrong link or opening a malicious attachment.

That’s where training becomes one of the most cost-effective defences you can put in place.

Being prepared need not cost an arm and a leg

For less than the price of a cup of coffee per user per month, you can:

  • Run ongoing phishing simulations to keep staff sharp

  • Deliver engaging awareness modules that highlight real-world risks

  • Turn your people from the weakest link into your strongest “human firewall”

It’s not just about ticking a box for compliance or insurance. It’s about protecting your reputation, your data, your customers, and your bottom line.

Because waiting until it’s too late and assuming insurance will cover the damage can be a costly mistake. Policies can be refused, pay-outs delayed, and reputational damage is rarely covered at all.

So here is the thing

The question isn’t “can you afford to invest in training?” it’s “can you afford not to?”

If you’d like to know what good cyber awareness training looks like, or want to understand what insurers typically require, let’s talk.

www.hm-network.com/contact

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Call 0333 344 4190

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