A Closer Look at Cyber Risk Across Insurers and SME Portfolios
The cyber risks facing personal and commercial policyholders are widely discussed. What is less often examined is the level of cyber exposure within the insurance industry itself and across the SME portfolios it supports.
In a recent interview with The Insurer TV, Andrew Martin, CEO and Founder of DynaRisk, explores both sides of this equation. The session takes a practical look at cyber risk within insurance company portfolios alongside the growing exposure facing SME businesses.
What the data shows inside real portfolios
During the interview, Andrew reviews live examples from insurance and SME portfolios to demonstrate how frequently cyber risk is already present. From compromised credentials to vulnerable infrastructure, the examples highlight that cyber exposure is often measurable long before an incident or claim occurs.
For insurers, this presents challenges around underwriting, portfolio management, and long-term profitability. For SMEs, it underscores how easily a business can be compromised without any visible warning signs.
Why network access is often easier than expected
A key segment of the video focuses on how attackers gain access to business networks. Using real-world examples, Andrew shows how quickly access can be achieved once valid credentials have been compromised and circulated on the dark web.
In many cases, these are not advanced attacks. Instead, attackers are exploiting existing data that is already available within criminal marketplaces. When credentials are valid and reused, gaining access to systems can be alarmingly straightforward.
This type of intelligence forms a core dataset monitored by DynaRisk and is continuously fed into its cyber risk solutions. By identifying compromised credentials and related threat activity early, insurers are better equipped to manage cyber exposure across their portfolios, while policyholders are given the insight they need to take preventative action.
Moving towards a more proactive approach to cyber risk
The overarching message of the interview is clear. Reactive approaches to cyber risk, particularly those driven solely by claims data, leave insurers and businesses exposed.
Intelligence-led cyber risk management enables earlier intervention, clearer prioritisation, and more effective portfolio oversight. It supports insurers in managing risk more proactively and helps SMEs reduce the likelihood of becoming the next target.
The interview is practical, data-led, and focused on real-world risk rather than theory.
If you are involved in underwriting, risk, or product strategy, this is a worthwhile watch.
Watch the full interview on The Insurer TV: https://www.theinsurer.com/tv/news-in-focus/insurers-face-heightened-cyberattack-risk-dynarisk-warns-2026-01-22/