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Michael Jansen - 918.293.7115

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POPULAR QUESTION: Michael, What is Cyber Insurance & Do I Really Need It?

5/20/2013

 
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What is Cyber Insurance, exactly?

That's a catch-all term for policies that cover hacked computers, virus attacks, denial-of-service attacks, copyright infringement, Web content liability and other technology-related areas.

Be smart about what you insure. Although cyber insurance has been around for more than five years, there is still little empirical data available on incidents.

Companies don't want the public to know about security breaches, so many incidents go unreported.

Therefore, standardized insurance prices and policies are hard to come by.

What does Cyber Insurance cover?

Your general liability policy covers physical property. If your computer gets hit by lightning, you'll be reimbursed. But what if a virus destroys your data and causes serious downtime? Your liability policy may or may not cover the lost data or reimburse you for the time. Cyber Insurance clears the confusion and writes policies that deal directly with technology. Like most policies, you can tailor it to your needs.

What self-evaluation steps will you need to take?

Just like taking a physical for health benefits, your network security needs to be checked, as well. Don't expect to get a policy if you have no firewall or antivirus protection. Cyber Insurance policies require an assessment of current conditions. Large corporations are generally assessed by independent third-parties, usually at their own expense. A small business has it easier because it can conduct a self-assessment.

Let’s discuss the various ways we can ensure you & your company a safe environment. I’m looking forward to hearing from you.

~Michael Jansen at 918.293.7115


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