When you think about risk in your business, it’s natural to focus on prevention. But the real test often comes when something has already gone wrong, and that’s where the quality of your insurance claims team really matters.
A claim isn’t just about recovering your financial losses; it’s about keeping your business running, supporting your people, and getting you back to normal as quickly as possible.
Today’s claims are becoming more complex, particularly with evolving risks including cyber. Many businesses still feel a cyber-attack is unlikely, yet the reality is very different. According to the UK Government’s Cyber Security Breaches Survey 2025, 43% of UK businesses experienced a cyber breach or attack in the previous 12 months. For many of those businesses, that incident doesn’t just trigger a claim, it brings operations to a complete standstill.
For example, imagine being unable to access your systems, losing key data, or not knowing when you’ll be back up and running. That’s the reality behind many cyber claims today. The financial cost can be significant, with the average serious cyberattack costing around £195,000 according to PublicTechnology.net. However, the wider disruption to your business is often even more challenging.
This is where the human side of the claims team comes in. When you’re dealing with an incident, you need more than just a process, you need support, clarity and someone on your side. Having a dedicated claims handler means you have one person guiding you from start to finish. Someone who understands your business, keeps you updated, and helps you navigate what can feel like a very uncertain situation.
As Sundeep Jhalley, Claims Director at Adler Fairways, explains:
“A claim is often one of the most challenging moments a business will face. It’s not just about settling a loss, it’s about helping you recover, supporting you through the disruption, and making sure you feel looked after and reassured every step of the way.”
Of course, strong claims outcomes don’t start when something goes wrong, they start long before that. Having the right level of cover in place is essential. While it can be tempting to reduce cover to save costs, the true value of your policy only becomes clear when you need to rely on it.
It’s also worth looking at patterns within your business. Claims can highlight where improvements can be made. For example, if your motor fleet is seeing repeated reversing incidents, that’s an opportunity to introduce additional driver training or invest in safety measures like reversing sensors which can help to reduce future claims and disruption.
At Adler Fairways, our focus is simple: to support and advocate for you when it matters most. We work closely with you throughout the claims process, keeping communication clear and consistent, and always aiming for the best possible outcome. Because when a claim happens, it’s not just about the loss, it’s about getting your business back on track.
Interested in cyber insurance?
This related article may also be of interest: Why Cyber Insurance is a must for SMEs
Sundeep Jhalley
Claims Director
Adler Fairways
