Although we often hear the term cyber liability and associate it with businesses, they are not the only ones with exposure to cybercrime. It is true that the overall impact may be more severe for a business if their data and customer information is compromised, but individuals are exposed to cyber risk every day. Criminals are sneaky and get access through your data in different ways such as emails and web links. With the amount of personal business that individuals conduct online, there is a significant need for personal cyber coverage.
Each insurance company will have their own cyber coverage package and the limits, terms and conditions will likely be different from the next. Ultimately the coverage will help protect you and your household from a cyberattack, cyber extortion, fraud and a data breach. In addition to securing insurance coverage for your cyber risks, it is advisable to protect your information as much as you can.
Here are some steps to implement a personal cyber safety protocol:
- Double check the source of emails you receive.
- If you are suspicious of an email, do not click the links.
- Do not download photos or graphics from sources you do not recognize.
- Do not click website links. Instead stop and check the spelling and manually type in the website address.
- Never enter personal data on a website you have not done business on or do not recognize.
- Only load apps from the official stores (Google Play Store or Apple App Store).
For more information on cyber coverage, please contact us today and speak with one of our consultants.