“We’re covered” is one of the most dangerous phrases in cybersecurity.
Many UK businesses assume:
Unfortunately, reality is harsher.
Insurance Is Not a Safety Net
Insurers increasingly expect:
After an incident, claims are often challenged not on whether controls existed but on
who was responsible for them.
Compliance Without Ownership Is Fragile
Passing an audit does not mean:
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Risks are understood
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Controls are effective
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Decisions are defensible
Compliance shows alignment at a point in time. Accountability shows governance over time.
The Question to Ask
Instead of: “Are we compliant?”
Ask: “Could we defend our cyber risk decisions under scrutiny?”
If the answer is uncertain, coverage and compliance may not protect you when it matters most.