{
 "title": "UK Cyber Insurance Premium Index 2026: Costs & Controls",
 "url": "https://www.servnetuk.com/research/uk-cyber-insurance-premium-index-2026",
 "publisher": "Servnet Research",
 "license": "CC BY 4.0 — free to reuse with attribution",
 "collected": "2026-08-01",
 "records": [
  {
   "metric": "UK primary cyber rate movement in Q1 2025",
   "value": "7% decline",
   "source": "GDPR Course"
  },
  {
   "metric": "Distance from 2022 peak in UK primary cyber pricing",
   "value": "42% below peak",
   "source": "GDPR Course"
  },
  {
   "metric": "Average cyber portfolio premium movement in 2025",
   "value": "11% decline",
   "source": "Lockton"
  },
  {
   "metric": "UK rate reduction in 2026 commentary",
   "value": "7% average decline",
   "source": "S&P Global"
  },
  {
   "metric": "UK midmarket rate reduction in 2026 commentary",
   "value": "12% decline",
   "source": "S&P Global"
  },
  {
   "metric": "UK revenue band with largest reduction in 2026 commentary",
   "value": "£1 billion–£5 billion revenues: 19% decline",
   "source": "S&P Global"
  },
  {
   "metric": "UK cyber market premium written in 2025",
   "value": "£13.2 billion",
   "source": "Gallagher"
  },
  {
   "metric": "UK cyber-security sector annual revenue estimate",
   "value": "£14.7 billion",
   "source": "UK Government"
  },
  {
   "metric": "UK cyber-security sector employment estimate",
   "value": "69,600 FTE",
   "source": "UK Government"
  },
  {
   "metric": "Cyber premium relative to general liability",
   "value": "3x higher",
   "source": "UK Government"
  },
  {
   "metric": "Cyber premium relative to property",
   "value": "6x higher",
   "source": "UK Government"
  },
  {
   "metric": "Micro-business premium benchmark",
   "value": "£500–£1,500/year for £500k cover",
   "source": "Connection Technologies"
  },
  {
   "metric": "Small-business premium benchmark",
   "value": "£1,500–£4,000/year for £1m cover",
   "source": "Connection Technologies"
  },
  {
   "metric": "SMB premium benchmark",
   "value": "£3,500–£9,000/year for £2m cover",
   "source": "Connection Technologies"
  },
  {
   "metric": "Mid-market premium benchmark",
   "value": "£7,500–£25,000/year for £5m cover",
   "source": "Connection Technologies"
  },
  {
   "metric": "Enterprise premium benchmark",
   "value": "£25,000–£150,000+/year for £10m+ cover",
   "source": "Connection Technologies"
  },
  {
   "metric": "Cyber Essentials-linked free cover",
   "value": "£25,000 included for businesses under £20m turnover",
   "source": "Connection Technologies"
  }
 ]
}