Abstract
Cyber risks are on the increase, with the latest figures from the Department of Business and Innovation stating that small to medium businesses lose between £35k and £65k when an incident occurs and this number rises to £450k to £850k for larger businesses. Businesses have always looked for ways to protect themselves from losses, from Business Interruption insurance to Professional Indemnity Insurance they have tried to minimize the impact of unforeseen and unpredictable events. In the modern world businesses now have to concern themselves with a whole range of risks and threats that until 20 years ago did not exist. Cyber insurance has existed for 10 years but insurers and businesses are still struggling to get to grips with this new era.
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