Cyber Insurance: Be Prepared for a Breach!

At the end of the day, we trust that the internet is safe. Now, many people will protest to this statement. But the mere fact that you send emails, make online purchases, or have a social media account shows your sense of security. However, this security is bred out of necessity. No matter the job you have, using electronic communication is a necessity. It is only when you come to terms with how vulnerable your information truly is, that you will see value in cyber insurance.

Understand the Vulnerability

The 2017 State of Cybersecurity in Small & Medium-Sized Businesses report states that 61% of small businesses have experienced a cyber attack in 2017. This is a 6% rise from 2015. Recovering from a breach monopolizes a small businesses resources and many companies do not have a recovery plan set in place. Of course, keep in mind that the company as an entity is not the only victim. Customers and employees are likely to suffer the consequences. Most companies hold sensitive information – passwords, credit card information, addresses, and other data. When assessing a cyber insurance cost benefit analysis, companies need to factor in business lost by angry customers. Additionally, potential lawsuits and GDPR regulations will increase the risk. Any third party company associated could also suffer data loss.

Making the Jump into Cyber Insurance

Cyber insurance is a $3.2 billion industry. As breaches become more prominent, the cyber insurance landscape is projected to grow. In fact, P&S Market Research states that it will grow up to $17 billion by 2023. More and more people are realizing that their insurance policies do not cover cybersecurity, as cyber is an independent type of insurance. There are two types of insurance: first and third party insurance. First party insurance covers the business. In contrast, investing in third party cyber insurance covers both your business as well as all impacted by the fallout of a breach. This even includes customers. There are many sub-policies, each of which cover different scenarios and risks.

Making the Right Coverage Choice for your Business:

There are many customization options for cyber insurance. A good insurance plan will cover your business within your financial boundaries. Additionally, a good plan will revolve around supporting your businesses biggest perceived risk factors. Here are some coverage options:

Security Breach Notification and Remediation Expense Coverage: This covers business fees from a data breach. Think of it as basic umbrella coverage for your company.
Failure of Notification Coverage: This helps cover your company is for some reason you do not report a recent data breach, or fail to notify people of the breach.
Cyber Extortion : In the case of ransomware, this covers reparations.
Negligent Computer Virus Coverage: This covers viruses that occur within the work place. This includes computer damage, data protection, and financial damage.
Public Relations Efforts: Some companies will work to rehabilitate your image, as well as fund fights against defamation.
Business Interruption: This covers loss of income due to the time lost in dealing with a data breach fall-out.
Restoration: This covers costs to replace computer software and hardware that is altered, damaged, or destroyed. Additionally, it covers data replication and restoration

Insurance Limitations

Cyber insurance is a relatively new industry, and as a result, many policies will struggle with protecting against cyber threats that are not easy to quantify. For example, despite public relations efforts, a damaged reputation and lower sales following a breach are often hard to protect against. Additionally, many insurance policies do not cover heft of intellectual property.

Conclusion

Cyber insurance may seem like yet another way to wring money out of a small business, but that mentality goes directly against a small business’ favor. Incident response planning is one of the most effective frameworks to manage risks. Preparation is essential for any company that hopes to have a quick and clean recovery from a cyber attack. It is important to remember that the likelihood of being target by a hacker or bad actor is high. The notion that only big companies like Target or Equifax get attacked only serves to catch you off guard. Cyber Insurance is one of the most concrete methods to implement a formal system that will help you mitigate the risk.

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c) A description of the location of the site which you allege has been infringing upon your work;
d) The physical address, telephone number, and email address;
e) A statement, in which you state that the alleged and disputed use of your work is not authorized by the copyright owner, its agents or the law;
f) And finally, a statement, made under penalty of perjury, that the aforementioned information in your notice is the truth and accurate, and that you are the copyright or intellectual property owner, representative or agent authorized to act on the copyright or intellectual property owner’s behalf. The American Publishing, LLC Agent for notice of claims of copyright or other intellectual property infringement can be contacted as follows:
Mailing Address:
American Publishing, LLC
Attn: Copyright Agent
17 Hoff Court, Suite B
Baltimore, Maryland 21221
Telephone: 443.231.7438
Fax: 410.238.2835
Email: karen.austin@uscybersecurity.net
CLOSED CAPTIONING
BE IT KNOWN, that American Publishing, LLC complies with all applicable Federal Communications Commission rules and regulations regarding the closed captioning of video content. For more information, please visit our website at www.uscybersecurity.net.

GENERAL INFORMATION
ENTIRE AGREEMENT
This TOS constitutes the entire agreement between you and American Publishing, LLC and shall govern the use of our Services, superseding any prior version of this TOS between you and us with respect to American Publishing, LLC Services. You may also be subject to additional terms and conditions that may apply when you use or purchase certain other American Publishing, LLC Services, affiliate Services, third-party content or third-party software.

CHOICE OF LAW AND FORUM
It is at the mutual agreement of both you and American Publishing, LLC with regard to the TOS that the relationship between the parties shall be governed by the laws of the state of Maryland without regard to its conflict of law provisions and that any and all claims, causes of action and/or disputes, arising out of or relating to the TOS, or the relationship between you and American Publishing, LLC, shall be filed within the courts having jurisdiction within the County of Baltimore, Maryland or the U.S. District Court located in said state. You and American Publishing, LLC agree to submit to the jurisdiction of the courts as previously mentioned, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to venue in such courts.

WAIVER AND SEVERABILITY OF TERMS
At any time, should American Publishing, LLC fail to exercise or enforce any right or provision of the TOS, such failure shall not constitute a waiver of such right or provision. If any provision of this TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITY
You acknowledge, understand and agree that your account is non-transferable and any rights to your ID and/or contents within your account shall terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

STATUTE OF LIMITATIONS
You acknowledge, understand and agree that regardless of any statute or law to the contrary, any claim or action arising out of or related to the use of our Services or the TOS must be filed within year(s) after said claim or cause of action arose or shall be forever barred.

VIOLATIONS
Please report any and all violations of this TOS to American Publishing, LLC as follows:
Mailing Address:
American Publishing, LLC
Attn: Copyright Agent
17 Hoff Court, Suite B
Baltimore, Maryland 21221
Telephone: 443.231.7438
Fax: 410.238.2835
Email: karen.austin@uscybersecurity.net

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