FAQ

Almost certainly not, for a typical SME. A “virtual CISO” (fractional — a few hours a month) is plenty for most businesses under ~100 staff. What you need is: someone responsible (could be you), competent help (could be your MSP), and an outside eye annually.

It's a sensible floor — not a ceiling. Cyber Essentials covers five controls. It's achievable, defensible, and increasingly required. But it doesn't address backup testing, incident response, AI use, supplier security, or training. Treat CE as “table stakes” that you build on.

Less often than people think, if you have MFA. NCSC guidance moved away from forced regular password changes years ago — they make people pick weaker passwords. Current advice: long passwords (three random words), unique per account, password manager, MFA on top.

Most SMEs should at least restrict them. Disable unknown USB mass-storage on managed laptops, allow through an approval process. “Don't plug in USB sticks you found” is more useful than “no USB allowed.”

Company devices are easier to secure and to defend in a Cyber Essentials assessment. If you do BYOD, you must have Mobile Device Management on phones and a clear policy. Many SMEs end up with company laptops, BYOD phones with MDM.

Probably not on its own. Legacy antivirus catches known viruses by signature; modern threats are missed. The current category is EDR. Microsoft Defender for Business (bundled with M365 Business Premium) is good enough for most SMEs.

No. OneDrive and SharePoint sync files; they don't back them up. If ransomware encrypts the originals, the encrypted versions sync to the cloud. Use a dedicated 3-2-1 backup tool that explicitly covers M365 (Veeam, Acronis, AvePoint, Datto).

No. Both create data-protection problems (personal data leaving your tenant), security problems (no admin oversight, no MFA enforcement, no audit log), and continuity problems.

For most businesses at that scale, yes — with caveats. The biggest value is usually the incident-response retainer that's bundled in. Read what's covered (and excluded), understand the insurer's requirements (MFA, backups, training), and then decide.

Almost never as an employee. What you need is: someone in the business who owns IT decisions and a reliable MSP for execution. Below ~50 staff, “owner of the relationship” + “capable supplier” is the right pattern.

Business Standard is the core productivity suite. Business Premium adds the security tooling almost every SME should have — Defender for Business (EDR), Intune (MDM), conditional access. The price difference is small for what you get. Enterprise tiers are for >300 users or specific compliance needs.

Better than nothing, much worse than an authenticator app. SMS is vulnerable to SIM-swap attacks. Use an authenticator app (Microsoft Authenticator, Google Authenticator, Authy, 1Password) for everyone; consider physical security keys for admins and directors.