Businesses are vulnerable to risks. Risks are dependent upon the exposure that a business has, the underlying business environment, and the conditions under which it operates.
For example, businesses today run on computers that are interconnected through a network and have specialized software for managing diverse functions as well as day-to-day activities. A cyber attack on your systems caused by a data breach is a risk that can devastate your business in a matter of minutes without as much as causing any physical damage to your premises, or assets.
Is your business in Alberta covered from cyber attacks?
If you are a business owner in Alberta, cyber liability insurance is recommended to protect your business from cyber attacks, especially if your business runs on the internet and you store personal and commercial data of your customers.
A cyber attack can disable your computer systems, get access to your data and then acquire administrator privileges. You can become a victim of malware, phishing, denial of service attacks and if you are not protected, then your business will come to a grinding halt.
Protect your business with Alberta cyber liability insurance
To prevent your business coming to a standstill, it is recommended that you purchase Alberta cyber liability insurance. If you are covered, then in the event that a data breach occurs, you would be able to bear the expenses related to investigations as per your policy coverage.
Also, if your source of income is through the internet, for example you run an e-Commerce website, and if there is a cyber attack of a ‘denial of service’ type, and your website is down for several days leading to loss of revenue; then in that case an Alberta cyber liability insurance policy will reimburse you for your business interruption losses.
Buy an insurance cover before a cyber attack
As a cyber attack can occur at any time, it is advisable to purchase an Alberta cyber liability insurance policy in advance. Such a policy has a range of coverage that includes protection of your business, your customers and your reputation from various types of cyber risks namely:
Data breach coverage
This coverage protects your business from expenses incurred on security fixes, identity theft protection, and legal matters that you might get involved in.
Business interruption loss reimbursement coverage
This coverage protects your business in case of a cyber attack that leads to an IT failure which disrupts your operations and forces you to close your establishment temporarily. Such an attack could cause massive loss of income to your business, but if you have a cover, then loss can be recovered along with costs incurred in recovery of the business.
Coverage against losses incurred in cyber extortion
If your business is a victim of cyber extortion, then you would have to shell out the money to the hacker to allow you resume your business operations. These expenses are covered under an Alberta cyber liability insurance policy and allow you to recoup from losses related to cyber extortion.
Coverage for costs related to forensic, public relations and legal support
In case your business is a victim of a cyber attack, then you might have to engage a professional agency to determine the severity of the attack, how to deal with it and to carry out remedial measures. These costs will cover your expenses related to such activities.
Hire an experienced Alberta cyber liability insurance broker
Your business is precious to you and you are committed to protecting the data of your customers who have reposed their faith and trust in your capabilities.
Even a small breach in your systems can cause immense harm to you and to their businesses. Therefore it is a prudent practice to get the right cyber risk insurance coverage and for this you must engage with an experienced Alberta cyber liability insurance broker.
Conclusion:
The heart of the matter is to get adequate cyber risk coverage before a cyber attack happens.
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Cyber risk insurance has become an absolute must for all businesses operating in Alberta.If you are a business owner with an eCommerce component and store sensitive customer data, then you are vulnerable to cybercriminals who are on the lookout to steal your data and sell it on the dark net for a hefty sum by launching a cyber attack.A cyber attack can take different forms and shapes such as identity theft, phishing, denial of service, theft of information, unauthorized malware installation, or even accessing your website to post inappropriate content.Although cyber risk insurance provides you coverage in the above instances, it is still a best practice to observe simple rules that can protect you from the malicious attempts of internet predators to steal data, disrupt your business operations and cause damage your reputation.Make out phishingThe use of fake emails, text messages and websites can allow cybercriminals to entice staff to enter their passwords, credit card numbers and more.Train employees to recognize phishing, especially fake emails, text messages and websites and make them aware so that they don't get enticed to enter their passwords, credit card numbers and other personal details.Employees should be made not to click on suspicious links or enter information on unknown websites, can help reduce the risk of sharing vital information.
Examples of risky URLs include hyphens, numbers, spelling mistakes and the “@” symbol.Store passwords securelyAs a best practice passwords should be stored securely and employees must be encouraged not to write the passwords near their workstations.Computers screens should lock quicklySet up your computers in a way so that they lock quickly and prevent aunauthorised access even by staff with the organization.Start a departing employee rule Establish a rule that passwords will change when any employee leaves the company, whether on good or bad terms.Make your website secureSecure your website, especially if you are in eCommerce business or have a need to store sensitive customer data.
It is recommended that you:Limit access to only a small number of employees.Take a back up of your system regularly.Review logs regularly to identify suspicious activity.Select a web hosting service that offers services in web security, so that security gaps can be quickly identified and fixed.Use generic business accounts for website contactsHave a data recovery plan readyHave a plan in place in case there is a disruption or a data breach.
Steps include:Take a backup of all files and folders that are at risk during a data breach and keep updating it regularly.Use a backup application that provides automatic and continuous backup.Store backups at a secure location and keep testing them.Do an annual test to check system restoration so that it is always ready.Be ready to communicate to users, customers, clients, in case there is a breach.Take professional liability insurance and cyber risk insurance.Email security Increase your email security by having an effective spam filter that reduces the risk of cybercrimes.
Tell employees to avoid clicking suspicious emails, enable HTTPS to encrypt data and assign emails based on generic departments or roles.Avoid using public Wi-Fi for business purposesBy following this practice you can lower the risk of hackers accessing your information.Turn off features not requiredUnless needed, avoid using features like GPS, wireless connection, and geo-tracking as these will prevent cyber criminals from accessing your information.Establish a no-apps rule Make a no-apps policy for all devices and computers that have been provided for business purposes.
In case apps are required to be downloaded for business purposes, just ensure that they are approved and are from trusted sources.Protocols for safe access Ensure that all devices and computers have strict access protocols.
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