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Three Absolutely Free and Easy Cyber Security Things You Should Do Right Now

If your company fell victim to May 12th’s “WannaCry” ransomware attack, there are likely more than a few things you do in fact wanna do. Even if you were not a victim, every company should do the following three absolutely free and easy things, with the expectation that you might not be so lucky next time […]

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Be Prepared for Even the Smallest Data Breaches

Whenever there’s a news headline about the latest data breach incident, it usually means that a hacker has stolen the private records of thousands of people. More often than not, hundreds of thousands. But many more data breach incidents, involving far fewer victims, never make the news.  Maybe a couple of files were left behind […]

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Ingredients of Embezzlement

No background checks Trust – little to no oversight Duties are not segregated No Audits No system for cross checking invoices against purchase orders No verification of new accounts Contractor hired employee without a background check to handle all payable and receivable accounts, writing checks, controlling bank deposits, and providing expense and sales reports. After […]

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Is it Cost-Effective to Insure for Cyber Coverage?

You know, I have found, and I continue to be surprised, at how inexpensive some of these policies are. Some of our clients really need to have this coverage and adding it to their insurance program is not going to break the bank. The most important reason you would have the coverage is that you […]

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Which Types of Data Breaches are Overlooked?

Well, I think that the one thing that’s overlooked when I talk about cyber liability insurance, is that it covers all kinds of data breaches and so immediately what’s overlooked are paper files. Paper files get lost in very silly ways sometimes. Boxes get dumped in the wrong place, sometimes people sell file cabinets on the […]

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I Only Have Traditional Insurance. Do I Have Coverage for a Cyber Breach?

Traditional insurance has not caught up to the world of data breaches. You might think, “well, they stole my information. Isn’t that property? Doesn’t that fall under my property insurance?” The answer is: no. Property insurance only covers tangible property. Not intangible property. You might say, “well, isn’t a hacker attack a crime? Don’t I have […]

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What is the Most Important Thing to Prepare for in the Event of a Cyber Emergency?

Well, the most important thing is to know who you’re going to call when you have a cyber emergency. Normally, you have maybe thirty days to respond to a cyber breach and in that case you want to know who your team is going to be and that includes the lawyer you’re going to use, […]

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Do I Need Pollution Insurance?

It is fairly clear that operations such as an oil well driller, dry cleaner, hair salon, hospital, waste water treatment plant, contractor, or service station need pollution insurance. But what about the rest of us? Pollution exposures can arise from the release of any substance considered a “pollutant” – which is fairly broadly defined… What chemicals […]

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