Information security is a critical business asset and must be a top priority for all organizations — large and small. Yet many small businesses underestimate the potential for cyber risk and have inadequate coverage (or none at all) to protect them from cyberattacks. Ransomware attacks are on the rise and are a serious threat to […]

Russia, North Korea, Iran and China are the primary nation states trafficking in cybercrime. Each has different motives. Russia: reconnaissance to enable access to critical industries (for use if needed, rather than specifically as a first strike); and destabilizing societies. Responsible for the destructive NotPetya attack. North Korea: it has a strong motivational need for money, […]

Cybersecurity, long thought to be unnecessary and costly, is becoming top-of-mind as the C-Suite gives more consideration by weaving into budgets, value propositions & future planning without a second thought. There are still many businesses in unregulated industries, such as, manufacturing, construction, distribution and retail who lag behind this trend. One obstacle is the prevailing […]

As 2021 approached, Workers’ Compensation insurance was a national outlier in an otherwise hard market for Property and Casualty insurance, showing only a narrow range between moderate decreases and increases in rates while remaining stable in terms of availability, capacity and underwriting scrutiny/selectivity. But uncertainty loomed, amid questions arising from COVID-19. To what extent would […]

All companies have risk. Successful businesses control their risk and make it work for them. Captive Insurance Companies and other Alternative Risk Transfer techniques enable entrepreneurs to reduce their Total Cost of Risk, by focusing your risk management activities, protecting your assets, allowing for the generation of additional profits while reducing taxes. This special purpose […]

After numerous conversations with C-suite executives about assessing their company’s cybersecurity posture, I am no longer surprised by the quick response delegating this conversation to the IT Department. While recent studies indicate Cyber Risk is gaining equal footing as a business’ traditional exposures to loss, there appears to still be a disconnect with many organizations […]

Cyber Hygiene is a reference to the practices and steps that users of computers and other devices take to maintain system health and improve online security. These practices are often part of a routine to ensure the safety of identity, data and financial assets that could be stolen or corrupted. Much like physical hygiene, cyber […]