Chances are, you’ve got clients in your book right now who would wave off a conversation about cyber liability because they can’t picture themselves as a potential target. A landscaping crew. A nonprofit with six employees. A self-storage facility with one location. None of them are likely to think “cyber security” is their problem, but all of...
A record number of Americans are traveling this summer, by car or by plane, and travel habits continue to blur the line between business and personal. American Airlines alone expects to welcome 75 million customers across 750,000 flights during its summer travel period, May 21 through September 8, the busiest summer in the airline’s history, and...
When U-Haul International Inc. experienced a break-in involving millions of customers, it wasn’t a failure of locks, cameras, or physical security. Thieves targeted an internal digital tool that quietly exposed sensitive customer information over time. It’s an eye-opening illustration of how cyber risk quietly enters the self-storage...
If mission-driven organizations make up a significant portion of your book of business, listen up. Cyber risk trends in 2026 are forcing nonprofit leaders to confront the difficult reality that they’re no longer peripheral targets. They are now central to the cybercrime economy. When you think about why, it makes sense. There’s valuable donor...
Navigating the world of professional liability insurance can feel daunting, especially in today’s turbulent market. With rising premiums, increased scrutiny, and ever-evolving risks, staying ahead of the curve is more challenging than ever. However, understanding these dynamics and leveraging the right insurance solutions can help make all the...
No matter what kind of business you’re in, the threat of cybercrime — and its associated costs — looms large. According to IBM Security, globally the average cost of a single breach reached an all-time high in 2023 ($4.45 million). In the U.S., that number is even higher, with an average cost of $9.48 million per breach, an increase of 0.4% from...
There has been a staggering surge in cybercriminal activities over the past few years, with a global increase of 38% between 2021 and 2022. The financial repercussions of an attack can be crippling, with an average cost of a single data breach reaching $4.45 million. In an effort to cover their losses and keep up with demand, insurers have...
How to Guide Your Insureds Through a Data Breach Whether through sophisticated malware, phishing schemes, or an unsecured website that leads to data leaks, cyber attacks occur frequently enough to warrant due diligence. Cyber attacks affect businesses of every size — from a mom-and-pop shop that takes digital payments to large enterprises that...
Your clients’ exposure to cybercrime doesn't end at the office door. Hackers have a variety of ways to access critical business information via phishing, ransomware, and malware. One of the latest trends in cyberattacks involves the use of public phone-charging stations. Although these charging stations are convenient and appear safe, they can...
Which of your commercial clients need cyber coverage? All of them. Any organization that has a computer network, handles confidential information, or collects and transacts with personal identifiable information is at risk of a data breach. This exposure has the potential to pose a significant financial threat to any business or entity involved....
Accidents happen. No matter how careful you are, an online security breach can happen to anyone. According to a report by the Ponemon Institute, only 24% of breaches resulted from human error and 25% from a system glitch. Malicious attacks were responsible for 51% of breaches in 2019. Big Impact Data breaches can be costly events. The United...
All businesses are vulnerable to the risk of cyberattacks and data breaches, but many owners of small and medium-sized businesses (SMBs) underestimate the threat. In fact, SMBs are prime hacking targets precisely because they tend to downplay the risk and devote fewer resources to cybersecurity. The financial impact of cybercrime can be...
MiniCo's enhanced sports and activity insurance program provides expanded coverage and features a newly streamlined agent portal for self-service quoting and binding. MiniCo Insurance Agency has introduced a cyber insurance program to provide monoline coverage for small and medium-sized businesses for costs resulting from a data breach by the...
When it comes to cyber attacks, small and medium-sized businesses are not excluded from the threat. Many small businesses believe that cyber criminals are only interested in data from big companies, and that is not always true. In fact, with cyber criminals coming up with new techniques to hack any system, small business are the most attractive...
The majority of businesses do not have adequate cyber-liability risk management procedures in place. Moreover, many do not understand the four fundamental elements of risk management as they apply to cyber-liability exposures. Risk Avoidance Avoiding the activities that could cause risk will, of course, help businesses avoid risk overall. There...
MiniCo will be on the road this week attending the Inside Self-Storage World Expo in Las Vegas. The expo is one of the largest events in the self-storage industry, and we look forward to meeting and speaking with a wide range of self-storage industry professionals. If you are planning to attend the expo, I hope you will stop by the MiniCo booth...
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