How a DMV Business Nearly Had a Cyber Insurance Claim Rejected, and What Saved It
This is a hypothetical scenario. The firm is fictional. But the mismatch between what its insurance application said and what its systems could show is the kind now surfacing in real claims across the DMV. The firm in this story is a fifteen-person accounting practice that has served the same group of regulated clients across Northern Virginia […]
Cyber Hygiene, Properly: The Habits That Actually Reduce Risk (and Keep Your Cover Valid)
Most of the firms we talk with that get a rough ride at cyber insurance renewal aren’t missing anything obvious on paper. MFA is turned on, and a backup job runs somewhere overnight. What trips them up is a follow-up question from a broker or an underwriter that nobody inside the firm can answer with real confidence. […]
5 Cyber Hygiene Gaps That Insurers Are Starting to Refuse to Cover
Cyber insurance is not the safety net it used to be. Coverage that once relied on a signed application is now conditional on specific controls being in place at the time of an incident. Firms are discovering, only after a breach, that the answers on the form and the environment behind them did not match. That mismatch […]
Cybersecurity Fundamentals Every SMB Can Cover Without a Dedicated Security Team
In a 30-person firm, the person handling cybersecurity is rarely a specialist; it might be the office manager, or whoever’s most willing to guess if an email is safe. Attackers know this, which is why small business cybersecurity has become a board-level concern, especially in professional services where a single breach can become a regulatory […]