Every October, Cybersecurity Awareness Month teaches people simple ways to protect themselves online. This year’s theme, Stay Safe Online, is all about the simple ways to protect yourself, your family and your business from online threats.
Small actions can make a big difference. That’s why we’re focusing on the Core 4. Four easy steps anyone can take to boost their online safety:
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Use strong passwords and a password manager
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Turn on multifactor authentication
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Recognize and report scams
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Update your software
About Cybersecurity Awareness Month
Even amidst large-scale data breaches and cyberattacks, Cybersecurity Awareness Month reminds everyone that there are simple, effective ways to keep yourself safe online, protect your personal data, and ultimately help secure our world.
The National Cybersecurity Alliance and Cybersecurity and Infrastructure Security Agency (CISA) lead the campaign and creates resources for organizations to talk to their employees and customers about staying safe online.
What Does Personal Cyber Insurance Cover?
Cyber crime is a growing threat. Deeley Insurance Group offers cyber coverage for both personal insurance clients and our commercial clients. Personal cyber insurance, also called “cyber attack insurance,” is often sold as an add-on to homeowners insurance and can cover a range of cyber crimes:
- Cyber attack coverage pays for the removal of a virus or reprogramming of desktops, laptops, smartphones, tablets, Wi-Fi routers and other internet access points, such as smart home devices and security systems.
- Cyberbullying coverage helps you deal with online harassment that results in wrongful termination, discipline from school, temporary relocation expenses, temporary private tutoring, lost wages and legal expenses.
- Cyber extortion coverage helps you recover from ransomware attacks that block you from accessing your personal data and demanding a fee to regain control. This coverage might include assistance from experts who can help you regain your files and reimbursement for any ransom paid, if approved by your insurance company.
- Data breach coverage helps pay for services if personal data entrusted to you is lost, stolen or published. For example, if you sell tickets for a school fundraiser and have credit card information from buyers on your tablet and the tablet is stolen, this coverage would pay for services to the individuals who were affected by the data breach.
- Online fraud coverage pays for direct financial losses due to problems like identity theft, unauthorized banking or credit card transfers, phishing schemes and other types of fraud.
In addition to the above types of coverage, personal cyber insurance might include services such as:
- Access to fraud specialists who can assist you throughout the recovery and resolution process
- Active cyber monitoring to help prevent or minimize a cyber loss
- Lawsuit protection for allegations of unintentional online libel, slander or invasion of privacy
- Replacing or repairing electronic data
- Retrieving, replacing or recreating financial or personal identification documents
Stay Safe Online!
For more cybersecurity tips, reach out to Delmarva’s insurance experts at Deeley Insurance Group. Call or text us at 410-213-5600 today.
