<p><strong>Speaker 0</strong>: <span>So for us, we go out and speak to brokers and engage with them so that they can have effective conversations with their customers and explain why that they are a risk and why they need to address the risk with cyber by purchasing cyber insurance.</span></p> <p><strong>Speaker 0</strong>: <span>So with, especially in the SME market, people feel that they won't actually be at risk. So that John the accountant, for example, won't be at risk. They're not. Cyber criminals are not targeting them personally, which is right. They aren't actually targeting them. They're casting a net far and wide and trying to sort of catch somebody who might</span></p> <p><strong>Speaker 0</strong>: <span>might be really busy that day and clicks on a link or send Somebody sends money to a fraudulent sort of person, so they're not actually targeting them as an individual. But, you know, as I say, they they're sort of seeing a risk. They're seeing an element, a hole in their cyber security. So what OS R are providing is a sort of the the locks and</span></p> <p><strong>Speaker 0</strong>: <span>on their door, so trying to make them as cyber secure as possible before a cyber criminal can even get there by providing those benefits to the customer. They're getting something sort of day one so that they're making themselves as cyber safe as possible. And equally they're getting sort of the benefit of a policy that will cover them for all the eventualities in terms of a cyber event.</span></p> <p><strong>Speaker 0</strong>: <span>So one of the things we do is, as I say, we set ourselves out as an SME market. But what we've realised as well is that individuals households haven't been protected. They haven't been provided with insurance cover. So we've set ourselves apart by looking at that that element of cover. So for people that individuals like you know, for example, my point of view, you know, do I am I still at risk from clicking a link? Of course I am. You know, we get these emails</span></p> <p><strong>Speaker 0</strong>: <span>and spoof emails and spoof text messages trying to trick us into parting with our money or our information. So the the personal market has been under sort of service in terms of there's no real products there. Unless you are, you're a high net worth individual with lots of money to spend on a home insurance policy. So O, I have recently sort of developed a home insurance product that provides exactly the similar thing that we would do with SME market for making people as safe as possible online by</span></p> <p><strong>Speaker 0</strong>: <span>providing antivirus licences, protecting their data, protecting their information and alerting them should their information sort of be part of a breach. Equally, you know, cyber bullying is really prevalent in today's society. Unfortunately, so part of our policy and the way we've adapted our policy is to include cyber bullying and counselling for families. It's a really area of concern for them, and the support that we want to</span></p> <p><strong>Speaker 0</strong>: <span>education is a massive part of what OS R provides and our service that we provide to brokers. We really need to break down the sort of the language barriers that we have between brokers and their customers and their clients ultimately that are purchasing cyber insurance.</span></p> <p><strong>Speaker 0</strong>: <span>So cyber insurance, um, has been around for some time. Uh, but it's been predominantly aimed at sort of a corporate space. So large businesses that have got large spends in terms of IT security. What has what we found is that SME markets, as SME companies have been</span></p> <p><strong>Speaker 0</strong>: <span>unable to find really good cover at a really reasonable price. They either have to compromise on one thing or another. So either they they find that they can't find adequate cyber insurance cover or they have to pay sort of extreme prices, which is is opposed to what their their average spend is in their insurance package.</span></p> <p><strong>Speaker 0</strong>: <span>OS R have been set up and created with SME S in mind so that they don't have to compromise on cover and pricing. So we provide really robust cover to a first cyber insurance at a really reasonable price for them and give them tangible benefits within that policy to help them with cyber security.</span></p>