{"id":25233,"date":"2024-03-19T06:35:00","date_gmt":"2024-03-19T13:35:00","guid":{"rendered":"https:\/\/cowbell.insure\/?p=25233"},"modified":"2025-11-13T07:22:55","modified_gmt":"2025-11-13T15:22:55","slug":"the-importance-of-notifying-your-cyber-insurer-first","status":"publish","type":"post","link":"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/","title":{"rendered":"The Importance of Notifying Your Cyber Insurer First"},"content":{"rendered":"

Cyber threats evolve at an unprecedented pace, with bad actors employing more sophisticated methods to exploit, and monetise, the vulnerabilities of victim organisations. From ransomware attacks to phishing scams, small and medium-sized enterprises (\u201cSMEs\u201d) are desirable targets because they typically lack the robust cybersecurity defences that large corporations have. Worse, the assumption that “it won’t happen to us” leads many business owners to overlook necessary investments in cybersecurity and cyber insurance, which can lead to significant risk and exposure.<\/span><\/p>\n

Cowbell recently conducted a <\/span>survey<\/span><\/a> of C-Suite and senior managers representing <\/span>500<\/span> small to medium-sized enterprises throughout the United Kingdom and found that almost 80% of these businesses had no in-house cybersecurity team; 32% (perhaps naively) believed a cyber attack would not limit their ability to do business, and <\/span>87% did not consider reputational damage after a cyber attack to pose as a significant risk to business.\u00a0<\/span><\/p>\n

52% of survey respondents said their first call <\/span>would not<\/i><\/b> be to their insurance provider, however, this is not the advice we provide our policyholders.<\/span><\/p>\n

If you have cyber insurance, the first call should always be to your insurance provider\u00a0 – even if the organisation simply suspects it may have a cyber incident. Whatever the situation – whether it be a full-blown ransomware event, a suspected phishing link that downloaded and installed malware, a lost laptop, or a social engineering scheme that re-directed money \u2013 the cyber insurer can help, and help quickly. Cyber claims teams deal with \u201cworst case\u201d scenarios every day. This means a cyber insurer is best equipped to swiftly triage the situation and facilitate the most expert and efficient incident response to mitigate loss and liability. One of the benefits of having a cyber policy is there is expertise at any time and for any scope of cyber incident. The aim is straightforward: to address the incident as expeditiously as possible and minimise the financial impact on the policyholder.<\/span><\/p>\n

Not only should the first call be to the cyber insurer to make sure the right resources and teams are quickly engaged, but notifying the insurer early and involving them at all stages will enable you to <\/span>maximise your coverage and obtain approvals (and preferable pricing!) for specialised work streams and resources such as legal counsel, forensics investigation, restoration and data recovery experts, ransomware negotiators, crisis communications, and notification support.\u00a0\u00a0<\/span><\/p>\n

Another \u201cpro tip\u201d is that, to whatever extent possible, the affected business should be prepared to create a brief summary of the incident, and have appropriate stakeholders available for a scoping call with the incident response teams as soon as possible. Organisations that have an incident response plan (IRP) are better prepared to assemble appropriate information and people, thus the process of scoping is more efficient and access to critical information is more organised.<\/span><\/p>\n

And, lastly, frequent engagement with your cyber insurance provider will result in better information transfer and guidance, fostering a more resilient organisation, and hopefully avoiding that dreaded (severe) cyber incident. In addition to proactive communication and consultation, a good cyber insurer will have a suite of readily available resources to provide its customers (incident response plans, business continuity plans, preferred vendor networks, risk assessments, risk engineering services, and micro penetration testing to name a few). These resources work collectively to strengthen an organisation’s cyber posture through proper education, planning, and testing. Accordingly, cyber insurers are in the most ideal position to advise organisations on better practises to prevent a cyber incident by leveraging the unique lessons learnt from handling thousands of cyber claims on behalf of their policyholders. <\/span>Interested in learning more about the comprehensive cyber insurance solutions Cowbell has to offer? <\/span>Click here<\/span><\/a>.\u00a0 <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Cyber threats evolve at an unprecedented pace, with bad actors employing more sophisticated methods to exploit, and monetise, the vulnerabilities of victim organisations. From ransomware attacks to phishing scams, small and medium-sized enterprises (\u201cSMEs\u201d) are desirable targets because they typically lack the robust cybersecurity defences that large corporations have. Worse, the assumption that “it won’t […]<\/p>\n","protected":false},"author":6,"featured_media":35385,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[2024],"tags":[],"class_list":["post-25233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyber-risk"],"acf":[],"yoast_head":"\nThe Importance of Notifying Your Cyber Insurer First - Cowbell UK<\/title>\n<meta name=\"description\" content=\"Cyber threats evolve at an unprecedented pace, with bad actors employing more sophisticated methods to exploit, and monetise, the vulnerabilities of victim organisations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Importance of Notifying Your Cyber Insurer First\" \/>\n<meta property=\"og:description\" content=\"Cyber threats evolve at an unprecedented pace, with bad actors employing more sophisticated methods to exploit, and monetise, the vulnerabilities of victim organisations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowbell UK\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-19T13:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-13T15:22:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowbell.insure\/uk\/wp-content\/uploads\/sites\/13\/2024\/03\/2024-03-19-TheImportanceNotifyingYourInsurerFirst-56.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Cowbell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cowbell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\"},\"author\":{\"name\":\"Cowbell\",\"@id\":\"https:\/\/cowbell.insure\/uk\/#\/schema\/person\/7532eca876a52462e77fb1ed11ab8d36\"},\"headline\":\"The Importance of Notifying Your Cyber Insurer First\",\"datePublished\":\"2024-03-19T13:35:00+00:00\",\"dateModified\":\"2025-11-13T15:22:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\"},\"wordCount\":611,\"image\":{\"@id\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowbell.insure\/uk\/wp-content\/uploads\/sites\/13\/2024\/03\/2024-03-19-TheImportanceNotifyingYourInsurerFirst-56.png\",\"articleSection\":[\"Cyber Risk\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\",\"url\":\"https:\/\/cowbell.insure\/uk\/blog\/the-importance-of-notifying-your-cyber-insurer-first\/\",\"name\":\"The Importance of Notifying Your Cyber Insurer First - 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