When you’re running a business, insurance usually sits in that “I’ll sort it later” category, somewhere between updating your website and finally fixing the office kettle.
But in 2025, with cyber threats rising faster than your unread email count, “sorting it later” might leave your business exposed in ways you don’t even realise.
And trust us… you’d be surprised how many business owners don’t actually know what insurance they need for the services they deliver.
A Real Conversation That Might Sound Familiar…
Chris and I (Holly) have just walked out of a meeting with one of our Start Digital partners, someone we’ve been working with for months. They’ve attended our workshops, trainings, webinars… the lot.
They run an auto mechanic garage that also offers fleet management solutions. Recently, they’ve added finance options for their customers, which means:
➡️ more applications
➡️ more sensitive information
➡️ and a LOT more customer data flowing into their systems.
A couple of months ago, I asked the business owner a simple question:
“Have you got cyber insurance?”
His response?
A blank stare followed by:
“I’m… not actually sure.”
This is more common than people realise. Many business owners assume they’re automatically covered — or that cyber insurance is “something only big companies need.”
Fast-forward to this week:
He came back to us, thanked us, and told us he’d just renewed his insurance policy and specifically added cyber insurance for the first time.
Why? Because once he understood the level of data he was now handling, he realised the risk of not having it.
And honestly, in the world of cyber…
It’s better to have it and not need it, than need it and not have it.
Why Cyber Insurance Matters More Than Ever
If you:
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handle customer data
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offer online services
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manage payments, applications, bookings, or forms
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store anything digitally
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connect with customers online daily
… then you need to understand your level of cyber risk.
Cyber attacks don’t just target big corporations anymore, small businesses are actually easier targets. And if a data breach happens and you’re uninsured?
The financial, legal, and reputational damage can be huge.
What You Should Do Next
If you’re unsure what level of cover you need, or whether you even have the right policies in place, here are your next steps:
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Speak to your insurance provider and ask them to explain your cyber cover clearly.
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Check your policy documents for gaps, exclusions, or outdated information.
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If you don’t have an insurance provider, or if you want a second opinion, reach out to us.
At Start Digital, we have a trusted network of insurance brokers who specialise in supporting small businesses. We can point you in the right direction and make sure you get advice based on your setup.
Message us directly, we’ll take it from there.
