We bought a security tool but nobody watched the alerts. Does that affect cover?

It may, depending on what you declared and how the policy is worded. Application forms often ask not only whether a monitoring tool is installed but who reviews its alerts and how quickly, and an answer that did not match reality can reduce or void cover after an incident. Read the wording with your broker and describe your set-up as it actually is, including evenings, weekends and holidays. Then close the gap: name a person and a deputy for alerts, decide what counts as urgent, write down who calls whom, and test it. If no one in-house can do it, a managed service provider (MSPMSP: managed service provider. A company that runs IT for other companies.) can. A tool only helps if someone sees the alerts in time. NetSenX explains each alert in plain language, so a non-specialist can judge it, and from the Pro plan it can send alerts to Slack or a webhook so they reach the person on duty. The audit log records actions and changes in the account.

General information, not legal advice. National laws can add to the EU texts quoted here, for example deadlines, forms or reporting channels: check your own country's rules.

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