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Cyber Insurance Emerges As Next Big Product For UK


UK brokers believe that cyber insurance is the new or emerging commercial insurance product with the most growth potential. Significantly low cyber insurance penetration rates among smaller firms make small and medium-sized enterprises (SMEs) a largely untapped market for growth, according to a survey conducted by GlobalData, a leading data and analytics company.


GlobalData’s 2025 UK Commercial Insurance Broker Survey* reveals that over half of brokers (53.6%) believe cyber insurance has the potential to record the strongest growth among new or emerging commercial insurance products. Cyber insurance significantly surpasses the potential of other emerging products, with renewable energy insurance—the second-most popular product—attaining 8.8% of responses.


Cyber insurance PR chart.png


Beatriz Benito, Lead Insurance Analyst, GlobalData, comments: “Both insurers and reinsurers are diversifying their strategies to tap into emerging risks, which will support growth in the cyber insurance market. A greater appetite around this line of business will help soften market conditions, as an increase in capacity can help insurers combat soaring premiums.”


Findings from GlobalData’s 2025 UK SME Insurance Survey** reveal that 60.8% of SMEs do not hold cyber insurance. The most common reason for not holding such cover is because businesses believe it is unlikely that they will be a target of a cyberattack, as cited by 40.5% of SMEs.


Benito continues:

“Despite the growing awareness of cyber risks among businesses, the adoption of cyber insurance is far from universal, with underinsurance remaining a key challenge to the industry. The protection gap is more pronounced among smaller businesses despite SMEs being more vulnerable of an attack. Insurers will need to tackle the protection gap through several fronts to grow the cyber insurance market.”

Benito concludes: “Focusing on conveying the impact that a cyberattack can have on a business—not only in terms of operations but also reputation—can be beneficial. Equally, there could be greater transparency on policy wording, making it clearer what the perils and exclusions are to avoid this being a barrier to buyers. Lastly, SMEs remain a largely untapped market and are often more vulnerable to attacks but have fewer resources to respond effectively. This makes them strong candidates for tailored cover, developing products that address their specific needs.”


*GlobalData’s 2025 UK Commercial Insurance Broker Survey was carried out via a telephone panel and reached 250 brokers.


**GlobalData’s 2025 UK SME Insurance Survey was carried out via an online panel, with 1,508 businesses surveyed.

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  • Writer: Paul Andrews - CEO Family Business United
    Paul Andrews - CEO Family Business United
  • Apr 3
  • 4 min read
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The release of Netflix’s Adolescence has reignited concerns about how digital content is shaping young minds. The show highlights the impact of excessive screen time, raising uncomfortable questions for parents about the content their children consume and the long-term effects it may have on their mental health and behaviour.


In an era where smartphones and social media dominate, children are more connected than ever, but at what cost? Recent studies have linked excessive screen exposure to anxiety, depression, and developmental delays. Even more concerning is the rise of the "red pill effect," where unfiltered online content influences children's worldviews in ways they may not fully understand.


Stephen Buchwald is a licensed mental health therapist and co-founder of Manhattan Mental Health, specialising in adolescent psychology and digital wellness. With years of experience helping families navigate screen-time challenges, he provides expert guidance on balancing technology use with mental well-being.


“Parents often assume their child is just watching innocent content, but the reality is that many children are exposed to misinformation, toxic ideologies, and social pressures online. Without proper guidance, this can significantly impact their emotional and psychological development.”

Below, we explore the hidden dangers of excessive screen time and what parents can do to protect their children.


1. The Unseen Psychological Toll of Excessive Screen Time

A growing body of research suggests that extended screen time affects brain development in children and adolescents. Constant digital stimulation can lead to:


  • Reduced attention spans – Studies show that frequent social media use rewires the brain for short bursts of dopamine-driven content, making it harder for kids to focus on long-form reading or deep thinking.

  • Increased anxiety and depression – Research from JAMA Pediatrics found that excessive screen time is linked to higher rates of mood disorders in teens. Social comparison, cyberbullying, and exposure to distressing content contribute to these mental health issues.

  • Disrupted sleep patterns – The blue light from screens interferes with melatonin production, leading to poor sleep, which in turn affects mood, concentration, and overall well-being.


“We see more young patients struggling with anxiety and self-esteem issues tied to excessive digital engagement. Many parents don’t realise just how much their child’s mental health is being shaped by the online world.”

2. The ‘Red Pill’ Effect Shapes a Child’s Perspective

The internet’s algorithm-driven nature means that once a child engages with certain content, they are repeatedly exposed to similar material. This can lead to the "red pill effect," where children unknowingly absorb harmful narratives, including:


  • Toxic masculinity and extreme ideologies – Some online communities promote unhealthy ideas about gender roles, relationships, and self-worth.

  • Misinformation and conspiracy theories – Without critical thinking skills, children may struggle to differentiate between factual content and manipulated narratives.

  • Unrealistic beauty standards and body image issues – Social media filters and curated lifestyles can distort a child’s self-perception, leading to body dysmorphia and self-esteem struggles.


“Many kids don’t seek out dangerous content, but they’re drawn into it through algorithms. A simple video on fitness can lead to extreme diet culture; a clip on self-improvement can spiral into toxic masculinity rhetoric. Parents need to be aware of what their child is watching.”


3. Social Skills and Real-World Interaction at Risk

While digital platforms enable instant communication, they cannot replace face-to-face interaction. Studies show that children who spend excessive time online may struggle with:


  • Reading social cues – In-person interactions teach children how to interpret body language, tone, and emotions, skills that cannot be learned through text or emojis.

  • Building strong relationships – Shallow digital friendships often replace meaningful real-world connections, leading to increased loneliness.

  • Handling conflict and emotional regulation – In-person disagreements require negotiation and compromise, whereas online conflicts often result in blocking or avoidance.


A report from The Independent highlights how increased screen time is linked to a decline in children's social skills. Stephen advises parents to encourage activities that promote real-world interactions, such as team sports, volunteering, or simply having regular family discussions.


How Parents Can Take Control

Managing a child’s screen time in a digital age is challenging, but not impossible. Here are some practical ways to strike a balance:


  • Set clear boundaries – Establish screen-free times, such as during meals or before bedtime.

  • Encourage alternative activities – Introduce hobbies that don’t involve screens, such as reading, sports, or arts and crafts.

  • Monitor and discuss online content – Instead of banning certain platforms outright, have open discussions about the content your child consumes.

  • Use parental controls wisely – Tools like screen time limits and content filters can help, but they should be paired with education about digital literacy.

  • Lead by example – Children mimic adult behaviour, so being mindful of your own screen habits sets a powerful precedent.


“The goal isn’t to eliminate screens entirely, but to create a healthier relationship with technology. Parents who engage in conversations, set boundaries, and educate their children on media literacy will help them navigate the digital world safely.”


Parents must arm themselves when fostering their child’s emotional well-being in a technology-driven world. By staying informed and engaged, you can help your child develop a healthy balance between online and offline life.

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