An old text scam has reappeared and a new email one

I received the text below as I was up a ladder on the weekend changing out a failed LED light.
I started to reply before I realised that I needed to check the senders number, and of course it was not from either of my children.

Then this morning, I received an email from our cyber security team at LMI IT to warn me of a scam email purporting to be from Microsoft. Please do not get caught with either.

For any one in business, if you have not done so, please seriously consider cyber insurance. The best way to do this is to speak with your insurance broker.