Ransomware
Ransomware Payment Bans in 2026: What Every Business Needs to Know
Several states and countries are banning ransomware payments. Here's how these new laws affect your cyber insurance coverage and incident response …
4 min read
Cyber Insurance Insights & Analysis
Stay informed about the latest trends in cyber insurance, carrier requirements, and security best practices. Our analysis helps small business owners make informed decisions about coverage and risk management.
Latest Articles
Market Trends
Cyber Insurance Trends 2026: What's Changing This Year
The cyber insurance market is evolving rapidly in 2026. From AI-driven underwriting to new ransomware exclusions, here's what every business owner …
4 min read
AI
AI-Powered Cyber Attacks in 2026: What Insurers Are Worried About
Artificial intelligence is supercharging cyber attacks. Here's how AI is being weaponized against businesses and what it means for your cyber …
4 min read
Quantum Computing
Quantum Computing and Cyber Insurance: Preparing for the Post-Quantum Era
Quantum computers will eventually break current encryption. Smart businesses are preparing now—and insurers are taking notice. Here's what you need to …
4 min read
How Cyber Insurers Investigate Claims: An Insider's Guide to the Process
Former cyber insurance investigator reveals exactly how insurers evaluate claims. Learn what they look for, how to prepare, and what triggers coverage …
10 min read
Cyber Insurance Deductibles Explained: How to Choose the Right Amount
Complete guide to cyber insurance deductibles. Learn how deductibles affect premiums, what amount makes sense for your business, and the hidden costs …
8 min read
Business Email Compromise (BEC) Insurance Coverage: What's Actually Covered?
Complete guide to business email compromise insurance coverage. Learn what's covered, common exclusions, sublimit traps, and how to ensure you're …
9 min read
How to Negotiate Your Cyber Insurance Renewal: Insider Strategies That Work
Insider strategies for negotiating cyber insurance renewals. Learn how to challenge rate increases, leverage competing quotes, and secure better terms …
9 min read
The First 24 Hours After a Data Breach: A Minute-by-Minute Response Guide
Step-by-step guide for the critical first 24 hours after discovering a data breach. Exact actions, who to call, what not to do, and how to protect …
8 min read
Cyber Insurance for Startups: When to Buy, What to Get, How Much to Pay
Complete guide to cyber insurance for startups. Learn when to buy coverage, what limits VCs expect, how to get insured pre-revenue, and avoid common …
7 min read
Building a Cyber Incident Response Team on a Shoestring Budget: A Step-by-Step Guide
A practical guide to building effective cyber incident response capabilities for small businesses with limited budgets, including templates, tools, …
11 min read
Cyber Insurance's Dirty Secret: Why 73% of Claims Get Denied (And How to Beat the Odds)
An insider's look at why most cyber insurance claims fail, based on analysis of 2,847 real claims from 2023-2024, plus actionable strategies to ensure …
8 min read
The Dark Web's Business Review System: How Cybercriminals Rate Their Own Services
An investigation into how cybercriminals have adopted legitimate business practices, including customer reviews, service guarantees, and professional …
6 min read
The Psychology of Social Engineering: Why Even Smart People Get Fooled
An exploration of the human factors behind social engineering attacks, and how understanding psychology can help us defend against them.
2 min read
The Rise of Ransomware-as-a-Service: How Cybercrime Became a Subscription Business
A deep dive into the business model behind modern ransomware, and why the subscription economy is fueling a new era of digital extortion.
3 min read
Deepfake Scams: How Synthetic Media Is the Next Big Cyber Threat
A look at how deepfakes and synthetic media are fueling a new wave of cybercrime, and what businesses can do to protect themselves.
3 min read
Passwordless Authentication: The Future of Secure Access
Why passwordless authentication is gaining traction, how it works, and what it means for cyber risk and insurance.
3 min read
AI Phishing Is Quietly Rewriting Cyber Insurance Underwriting
How AI-generated phishing, deepfakes, and voice cloning are reshaping cyber insurance underwriting, security control expectations, and premium …
6 min read
How Cyber Insurance Findings Influence M&A Valuations and Deal Diligence
A pragmatic playbook for integrating cyber insurance posture, claims history, and control maturity into M&A valuation adjustments, purchase agreement …
5 min read
How SBOM Transparency Will Reshape Future Cyber Insurance Exclusions
Why software bills of materials (SBOMs), open source dependency visibility, and supply chain mandates are pushing cyber insurers to rethink exclusion …
5 min read
Cyber Insurance Requirements by State: Complete 2025 Guide
State-by-state cyber insurance requirements, mandatory coverage laws, and compliance guidelines for small businesses in 2025.
6 min read
Claims
The $2.4M Mistake: Small Business Owner's Cyber Insurance Claim Denied
This real case study reveals the devastating mistake that cost one business owner $2.4 million in cyber damages—and why 73% of small business cyber …
13 min read
Small Business Data Breach Response: Your First 72 Hours Action Plan
Step-by-step action plan for the critical first 72 hours after discovering a data breach. Legal requirements, containment, and communication …
8 min read
Cyber Insurance Claims Process: What Actually Happens After an Attack
Real-world walkthrough of the cyber insurance claims process from first call to settlement. What to expect, common mistakes, and timeline.
10 min read
Ransomware Statistics 2025: Small Business Attack Trends
Latest ransomware statistics for 2025 showing which small businesses are targeted most, average ransom demands, and recovery costs.
14 min read
How to Choose Cyber Insurance: Complete Guide for Small Businesses
Step-by-step guide to choosing the right cyber insurance policy for your small business. Compare coverage types, limits, and find the best value.
16 min read
Cyber Insurance Cost 2025: What Small Businesses Actually Pay
Comprehensive analysis of cyber insurance costs in 2025 with real pricing data from 1,000+ small business policies across all industries.
10 min read
Claims
Cyber Insurance Claims: Real Case Studies and Lessons Learned
Learn from real cyber insurance claims across different industries. These case studies show what actually gets covered, how much incidents cost, and …
5 min read
Security Checklist
Small Business Cyber Security Checklist: Meet Insurance Requirements
Cyber insurance carriers are no longer accepting basic security measures. Here's the comprehensive checklist to meet requirements and protect your …
4 min read
Applications
Cyber Insurance Denial Reasons: Why Applications Get Rejected
Cyber insurance rejection rates have skyrocketed from 15% in 2019 to over 40% in 2024. Here are the exact reasons applications get denied—and how to …
5 min read
Buying Guide
Cyber Insurance Application Tips: How to Get Approved and Save Money
Getting approved for cyber insurance isn't automatic—carriers are increasingly selective. Here's exactly how to complete your application for the best …
3 min read
Vendor Management
Cyber Insurance Vendor Management Requirements
Your cyber insurance underwriter wants to know about every vendor that touches your data. Supply chain attacks are the fastest-growing threat—here's …
5 min read
Healthcare
HIPAA Cyber Insurance: Requirements for Healthcare Practices
Healthcare practices face unique cyber insurance challenges. HIPAA compliance isn't enough—carriers now require specific security measures that go …
4 min read
Business Continuity
Cyber Insurance Business Continuity Planning
Your cyber insurance works hand-in-hand with your business continuity strategy, but only if you plan the integration properly. Here's how to build a …
6 min read
State Laws
State Cyber Insurance Laws: Compliance Requirements by State
States are rapidly enacting cyber insurance and data protection laws that impact your coverage requirements. Here's your state-by-state compliance …
5 min read
Coverage Comparison
Cyber Insurance vs E&O Insurance: What's the Difference?
Many businesses confuse cyber insurance with E&O coverage. While there's overlap, they protect against different risks. Here's what each covers—and …
5 min read
Remote Work
Remote Work Cyber Insurance: New Coverage Requirements
Remote work fundamentally changed cyber insurance underwriting. What worked for office-based businesses won't get you coverage today. Here's what …
5 min read
Industry Trends
The Evolution of Cyber Insurance: From Obscure Coverage to Business Essential
Ten years ago, most business owners had never heard of cyber insurance. Today, it's becoming as essential as general liability coverage. Here's how …
5 min read
Cost Analysis
The Hidden Costs of Cyber Incidents: What Your Insurance Won't Tell You
The real financial impact of a cyber incident often comes from expenses that never appear on an insurance claim form. Here are the hidden costs no one …
7 min read
Tech E&O
Technology E&O vs Cyber Insurance: Tech Companies Need Both
Technology companies face unique risks that standard business insurance doesn't cover. You need both Tech E&O and Cyber Insurance—here's why.
6 min read
Small Business
Why Your IT Guy Isn't Enough: The Reality of Small Business Cybersecurity
Every small business has 'that guy' who handles computers. But when it comes to cybersecurity, your IT guy might be leaving you more vulnerable than …
6 min read
Cyber Insurance vs. Cyber Liability: Understanding the Critical Differences in 2025
Don't get caught with the wrong coverage. Learn the key differences between cyber insurance and cyber liability insurance, what each covers, and how …
12 min read
Cyber Insurance for Cloud-First Businesses: Complete Coverage Guide for 2025
Essential cyber insurance considerations for businesses operating primarily in the cloud. Learn about coverage gaps, vendor liability, and specialized …
12 min read
Security
Inside the Boardroom: 72 Hours of a Ransomware Crisis
A CEO's raw, unfiltered account of leading a company through its darkest 72 hours when ransomware brought everything to a halt.
9 min read
Buying Guide
Cyber Insurance Buying Guide 2025: Complete Step-by-Step Process
The definitive guide to buying cyber insurance. Learn exactly what coverage you need, how to compare quotes, avoid common mistakes, and save money on …
7 min read
Ransomware Insurance Guide: Complete Coverage Hub
Everything you need to know about ransomware insurance coverage, claims, prevention, and real-world case studies. Your comprehensive resource hub.
3 min read
Why MFA Matters for Cyber Insurance (And How to Implement It Right)
Multi-factor authentication is the #1 requirement from cyber insurance carriers. Learn why it matters, how to implement it cost-effectively, and which …
4 min read
Security
The Human Face of Digital Terror: Inside the World of Ransomware Operators
An investigative deep-dive into the people behind ransomware attacks - their motivations, methods, and the surprising humanity of digital criminals.
20 min read
Social Engineering & Phishing Insurance Guide
Protect your business from social engineering attacks, business email compromise, and phishing scams. Coverage options, prevention strategies, and …
3 min read
Security
When Ransomware Comes Home: Personal Stories of Digital Devastation
Real stories from individuals whose personal lives were shattered by ransomware attacks - from family photos to small business dreams, these are the …
30 min read
Cyber Insurance Coverage Explained: Complete Guide Hub
Understand what cyber insurance actually covers, common exclusions, how it differs from other policies, and how to choose the right coverage for your …
3 min read
Cyber Insurance Pricing Trends: What Small Businesses Paid in 2024
Real pricing data for cyber insurance in 2024, including premium ranges by industry, coverage limits, and factors that affect your rates.
3 min read
5 Cyber Insurance Claims That Will Surprise You
Real cyber insurance claims from small businesses, including what was covered, what wasn't, and lessons learned for better protection.
5 min read
Cyber Insurance vs. General Liability: What's the Difference?
Understanding the critical differences between cyber insurance and general liability coverage, and why you need both for complete business protection.
5 min read
AI and Machine Learning Cyber Insurance Considerations
How artificial intelligence creates entirely new categories of cyber risk that traditional cyber insurance may not fully address. From AI model theft …
12 min read