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Generali has new cybersecurity insurance services for its clients


The company has cybersecurity services for customers. The services are a relief to customers and many companies. It will be a relief for clients from any threats or incidents. The package will detect and counter threats and attacks.

In recent years, cybersecurity has been a big challenge to many companies. Due to the growing use and reliance on internet services. Cyber threats have also increased because the internet is an open ground for everyone.

Every company, small or medium-sized, especially financial institutions, needs cyber protection. The attacks have increased. Everyone in the corporate world is worried. Having cyber-insurance services for a corporate is a reprieve.

Hybrid work models are not cybersecurity protected

Most institutions and customers have shifted into remote working models. It is due to the COVID-19 pandemic. Therefore, working environment has changed. Cyber threats have increased due to this change. Remote working has its challenges. There are unsecured home networks.

Also, phishing attacks are most rampant at home. Due to the lack of security resources. Cybersecurity hackers are targeting homes. It is easy to find loopholes at homes than at organization premises. The governor of the Bank of Italy expressed concerns in October. He warned financial companies of being more exposed to cyber security risks. It is due to a 54 percent increase in cyber-attacks on European banks. He called for increased care in monitoring and controlling threats and attacks.

There are different services that Generali will offer start 2022 across the globe. It will first start in Europe, then grow to other countries. These services will include:

Cybersecurity risk assessment

The new insurance services will be able to do a thorough Risk assessment. In addition, they will ensure that organizations are protected. It will also reduce the cost of security incidents. It will be able to identify, mitigate and control cyber threats.

Phishing cybersecurity simulated attacks and learning programs

This service will assist corporate clients. It will prepare them before an attack happens. Therefore, it will help them to stay ahead of cybersecurity threats. Moreover, phishing simulation makes employees and clients watchful. It puts them on a simulated battlefield. It helps them learn and improve their cybersecurity skills. With this service, many corporate clients will be able to protect themselves. It will also help in preparing them before an attack happens.

Australian Cyber Security insurance firms are feeding criminal gangs who target insured organizations.

cyber insurance

Cyber Security Cooperative Research Centre (CCRC) C.E.O Rachael Falk and the Director of corporate affairs and policy Anne-Louise Brown refute ransomware payments. According to the report, cyber insurance should not include cyber crimes in its coverage. The ransoms serve as a motivation to establish are more complex cybercrime enterprises. They further explained that the ransom payments are a short-term reprieve to the victim organizations but with long-term implications.

How ransomware criminals operate

They first identify organizations with insurance certificates. Then vulnerability test is conducted on their systems to identify weak points in the security protocol. They prefer organizations with a lot to lose during a possible attack. The most preferred targets are those likely to lose large amounts of money, exposing confidential data, or when their credibility is at stake.

Reasons to prohibit Ransomware insurance

  1. The funds are re-invested in the growth and establishment of more organized cybercrime syndicates. The criminals gain more power to conduct more attacks. According to the CCRC report, “cyber insurance is not a sustainable organizational cyber security strategy.” They further argued that making the payments is a motivation and a way of legitimizing illegal criminal activities.
  2.  Persistent ransomware attacks; the hefty ransom payments attract new cybercriminals. During an interview with a cybercrime gang member, he explained that they target the insurers first to get their customers’ databases. Then they identify and plan a targeted attack from there. “Hack the insurers first to get their customer base and work in a targeted way from there. And after you go through the list, hit the insurer themselves.” 


  • The government should intervene to prohibit insurers from offering cyber insurance policies. Organizations should instead be encouraged to seek the intervention of Cyber Security Recovery and response professionals.
  • The Australian Prudential Authority (APRA) should demand from insurance firms the details of their coverage policies. They should also provide guidelines on the regulations of cyber insurance firms.
  • Insurance firms should provide coverage policies favorable to Small and Medium Enterprises(SME’s) to ensure that such firms are not devastated in case of an attack. Many insurance policies are not affordable to small firms and therefore facing an imminent threat by cyber-attacks.
  • The insurers should corporate with technology-related stakeholders to develop an affordable bundle and packages for large and small players.

In a nutshell, paying ransoms on Cyber-attacks is a bad idea which only escalates the problem in the long run. Progressive policies should ensure organizational rebound in case of an attack.

Addressing The Success and Limits of Cyber Training in Business Prosperity

Cyber Education

Indeed, cyber education, especially in insurance, has promising gains. It adds value to businesses in terms of overall knowledge and expertise. Unfortunately, the successful attempts of enlightening the business owners are still unlikely. And the reasons for this are endless. For one, there have been insufficient tools for brokers, claims professionals, and underwriters.

In a major part, brokers have found it challenging to sell successfully. Also, assessing cyber risks by the underwriters has been difficult. Guy Simkin, the CEO, and co-founder of Cyber Insurance Academy highlighted the following.

Highlights of Cyber Education Programs

Mr. Simkin outlined how the Cyber Insurance Academy is helping with cyber education. The academy is offering programs to nurture brokers, underwriters, and claims professionals. Besides, risk managers also get training covering every cyber security topic. These subjects include claims and incident response, risk management, and many more.

Students who undertake these programs learn more about the foundation of cyberspace. In addition, they are equipped on how to pursue a productive conversation with technical experts. The academy’s cyber education programs target an array of professional groups. These include both the experienced and inexperienced. Plus, they can train workers from more prominent companies.

Upon completion of the cyber education programs, graduates get certifications of completion. One of them is a Certified Cyber Insurance Specialist Certification (CCIS). But it doesn’t end there. The institution will continue to connect students with cyber insurance professionals. This allows them to get updated on the latest trends in the cyber insurance market. They also learn how to promote the growth of cyber insurance in general.

Expert Insight in the Importance of Cyber Education

Simkin connoted that cyber, to some extent, is a lifestyle. Cyber threats are transforming at an alarming rate. So, it only makes perfect sense for business owners to stay up to date with current news. Not only that, but they should also know trending developments in cyberspace. That way, they can better assess the risks and act accordingly as soon as they occur.

He also adds that there is a need for business owners to have expert knowledge. This goes for every stakeholder in cyber insurance, like brokers. With proper cyber education, the brokers will have confidence during negotiations. And this will enable them to realize profits despite the existing wide knowledge gap. Ideally, these are some of the areas bringing disparity in cyber education.

Final Words

Cyber education is yet to realize its full potential. Fortunately, many institutions like the Cyber Insurance Academy are training people to bridge this gap. So, all is not lost for those looking to get such training for personal benefits or the business.

Increased Cases of Ransomware Is Pushing Insurers to the Edge

Cyber Insurers

The rampant cases of ransomware are forcing cyber insurers to rethink their ways. Today, no sector can claim immunity against ransomware. And these attacks have become challenging to handle. They are not only expensive but have led to the fall of even the most prominent companies. Even worse, cyber insurers are feeling double the trouble.

The insurance providers are forced to pay more insurance payouts to ransomware victims. Added to the rate at which these events are occurring, it only gets expensive. That is why AXA France, one of the leading cyber insurance providers, made one thing clear. It said that new policyholders would not get insurance reimbursement for these attacks.

Cyber Insurers Comes Together

In a rare turn of events, insurance companies have decided to work together. Indeed, the industry has felt significant pressure from ransomware attacks. Yet, cyber insurers are determined to remain strong in the face of all these.

So, providers like AXIS, Beazley, Chubb, and The Hartford have joined forces. These are some of the steps they believe will help them understand cyber dynamics and risks. Ransomware has stood the test of time to be the biggest threat today.

CyberAcuView CEO Mark Camillo highlighted the vast transformations witnessed in cyber insurance. For instance, cyber insurance’s focus was to protect information and credit data. But this has changed over time. The attackers have developed more innovative ways to make money.

Cyber Insurers Call for Better Strategies

Initially, cyber insurance was a reserve for specific companies. These are agencies that dealt with sensitive information like banks and health care. In the past couple of years, cybercrime has evolved beyond this scope.

Cyberattacks are now common in every sector with vast severity. This means the cyber insurers must adopt efficient strategies to handle the claims. Consequently, every insurer is introducing extra ransomware insurance techniques beyond the standard rule.

Most cyber insurers are looking to dive deeper to understand the nature of these attacks. These include assessing the areas that made the company vulnerable. Furthermore, they also advise on the perfect ways to enhance security.

Some cyber insurers are limiting their policies. For example, they decline to payout policyholders with insufficient security measures. So, the biggest burden lies on the insured organizations to improve their defense mechanism.

Final Words

With the ever-evolving cyberattacks, cyber insurance is also changing. Even though the insurance transformations may seem demanding, they are for the best. Therefore, it is highly recommended that organizations adopt the best security methods. That way, they will be safe and also get that deserved cover should the unexpected happen.

Ransomware attacks are triggering new ways of doing Policy in Cyber Insurance

Ransomware attacks

Ransomware Shifts

Things continue to change in the world of cyber insurance. The cyber insurance market is shifting. It is due to the dramatic changes that happen in Ransomware attacks. Due to this, cyber policies keep on changing as the market shift. Therefore, the insured continues to witness changes in terms.

The insurers are in a moment of panic, especially those who cover ransomware. The policy can bring losses. For example, a company by the name of CAN Finance Corp paid over $40 million. It is one of the world’s largest insurance companies. It is the highest payout reported in the history of ransom. Furthermore, Ravil hackers were asking for over $70 million to beat the record. Unfortunately, it did not go through.

Hackers Ransomware attack attraction

Because of ransomware attacks being inexpensive, this attracts many hackers to do it. Hackers get high profits too. Moreover, attacks have been on an upward trend in 2020. Reports indicate that in 2020, ransomware attacks climaxed.

Moreover, there were many interconnected blackmail events too.  As stated by Palo Alto Networks, many attacks are unreported. The company also reported that there were $312,493 average attack payments in 2020. It was a 171 percent increase from 2019. Due to all these attacks, insurers are feeling the pain. There is always a feeling of not being able to cover all claims.

What triggers an increase in cyber policy demand

The ever-increasing ransomware attacks keep on making cyber insurance policy demand grow. Every time people hear that there will be an attack, they start coming for the cyber insurance policy. Therefore, just a rumor can also trigger an increase in cybersecurity policy sales. Those are two key drivers of increased sales of cyber insurance. Government Accountability Office (GAO) reported this in cyber insurance.

Lack of ransomware knowledge and data collection

Even though it is a good thing, insurance companies operate under limited knowledge of ransomware. It is costly to them as it leads to erratic risk assessments, limiting them further. Many attacks go unreported.

They do not have information to help in actuarial evaluations. The partial data reliance on cyber insurance costs them a lot. Again, most of them rely on historical loss data to determine risk and premium rates.

To conclude, there are many obstacles. Even though all this confusion continues in cyber insurance, there will be changes. 

The Rising Cyber Insurance Cost May Need Government Involvement, Experts Say

Cyber Insurance

Increasing cyberattacks are leading to rapid change in cyber insurance scope. It has become a top tool for protection against disturbing cases of cyberattacks. And the biggest worry is that cyber insurance cost is surprisingly on the rise. Not only that but the insures are also getting choosier on who they can cover.

All these issues are posing a challenge for government agencies to do something. For one, most companies are hoping to get financial and technical assistance. It is believed the state regulators are using the increasing premium plans to drive an agenda. Many are of the opinion that they are doing so to force entities to adopt better defense strategies.

Cyber Insurance and How It Helps

Most business owners usually ask if cyber insurance is worth it after all. The answer to this depends on many issues. With cyber insurance, covering for property loss during digital disruptions becomes easy. It is also an important tool that organizations can use to solve liability claims. The best part is that it also covers both the policyholder and the clients they serve

It is also common for the insures to offer expert advice on an array of areas. Policyholders can reach out to them on when and how best to pay a ransom. They may also help the policyholders on the perfect ways to recover from ransomware. The organizations may also get financial assistance to cover the demanded ransom.

Let it not be forgotten how disastrous a cyberattack can be to a company’s operations. For instance, clients may end up losing crucial data through malware. Even worse is when the entity ceases to operate due to disruptions. With cyber insurance, it gets easier for a company to recover from any of these events. Whether it is about the loss of capital or time, insurers will take care of them.

The Limits Coming with Cyber Insurance

The more cyberattacks increase, insurers are also changing coverage tactics. The truth is that they have ended up paying out more in the wake of widespread cyberattacks. Yet, now, they are more careful and have set limits on how to cover policyholders. They are less likely to cover for any loss until they are sure of the level of risk suffered.

Most of the insurers estimate how best they can cover policyholders using past cases. But that is not viable because of the lack of enough details to aid in decision-making. Most victim agencies do not issue comprehensive data or report an attack. And this is yet another hurdle making the whole quest challenging.

According to the latest report, using past records falls short in many ways. Experts believe that cyberattack is one area marred with constant evolution. And today, criminals are using evolved technology to target companies. So, this makes it hard for insurers to determine the stake of aggressions that may come later on. Another area of concern is that insurers may up cover a claim involving multiple parties. This is true, especially in cases where a single hack affects several other entities.

Cyber Insurance and Improved Defense Tactics

Cyber insurance is transforming for the good and bad. Today, insurance providers are championing for best security practices to protect clients. Some entities believed that cyber insurance was enough means of protection. However, that is not going to work now that insurers are getting more aggressive. The cyber insurers are not covering policyholders who ignore other security methods. Instead, they are campaigning for the adoption of better protection strategies beyond insurance coverage.

Final Words

Ideally, both the government and the insurers have a significant role to play. This is critical now when cyber insurance is becoming costly. Cyber insurance companies are already encouraging entities to adopt the best cybersecurity defense. On the other hand, the government has the burden of sorting the cost hurdle in cyber insurance. Also, the government should formulate a practical cyber protection strategy.

Private Practices in South Africa are Opting for Cyber-Liability Policies as Cybercrime Increases


Cyber-liability is a common trend today for the healthcare industry in South Africa. This is true especially to private practices looking to protect themselves. Cybercrime in the country has tremendously increased. That is why private practices are leveraging cyber-liability to handle cases of ransomware and data breaches.

It is common for cybercriminals to target health and banking data. As a result, healthcare organizations have no choice but to strengthen their security. This vital, especially now when more people are working from home. The providers will have to rethink their cyber-liability to ensure the ultimate protection.

Essential Details of Cyber-Liability in South Africa

Most malpractice policies cover Cyber-liability in South Africa. However, it usually comes with some limits and exceptions. So, private healthcare should go for a comprehensive policy. That way, they will get covers for hiring IT experts to assist when the time comes. The professionals can assist with fixing data breaches and paying a ransom. These policies also address the hiring of public relations experts. The coverage also takes care of hiring attorneys to defend the practice from lawsuits.

Some people may be concerned about the costs of these policies. But a lot of factors can influence it, including the size of the organization. Even though it may seem like an unnecessary investment, not having it first is even riskier. For instance, with more data exchanged between practices and other entities, the risks increase. So, it only makes perfect sense to get cyber-liability coverage no matter the costs.

How Cyber-Liability Will Help

Cybercrimes come in many ways. Even if a practice isn’t directly targeted, it can still be liable for lost data. Ideally, every move and fight against cybercrime is a shared responsibility. That is why doctors and third parties should work together. Every stakeholder in practice has a role to play in keeping safe.

But why do cybercriminals attack healthcare organizations? These entities have valuable information like birth dates, patient names, and identification numbers. Others also have banking details and medical aid information. When the attackers get these vital details, they will do more harm than good. Smaller practices, like the larger counterparts, are at similar risk. It is common for smaller practices not to encrypt patient information. And that is just one of the recipes for a potential breach.

Whether small or large, a practice should have an elaborate protection method. For one, a smaller practice may be more vulnerable to these attacks. A larger practice, despite the possible protection techniques, will be vulnerable as well. Having cyber-liability coverage is just one of the ways to be secure. When combined with the latest security measures, it will ensure long-term security.

Final Words

The Protection of Personal Information Act is pushing for more investment in cyber-liability. The emphasis here is for healthcare practices to protect their clients’ data from loss and damage. Unlawful access to these details is yet another concern the act addresses. Healthcare practices should implement both technical and organizational-based measures to protect clients. They should identify and seal all internal and external risk spots. Also, they should be updated with current trends in data security.

Cyber Insurers have formed Cyber Security Company for purposes of Cyber Analysis and Cyber Risk Mitigation

cyber risk mitigation

Cyber-attacks are on an upward trend. Insurance companies are not taking this lightly. They want to ensure that they are in total control of the situation. In their efforts to do this, they have come together to assist in risk mitigation. That’s the reason why they have joined to form a company that will majorly deal with cyber risk mitigation. All leading insurers, like AIG, Beazley, AXIS, Chubb, The Hartford, Liberty Mutual Insurance, and travelers are leading in pooling all their data and expertise together to ensure that they enhance risk mitigation. From the recent report that we have analyzed, there is an increase in ransomware attacks.

Strict reviews and guidance of Cyber Risk Mitigation

CyberAcuView is a new entity that will help in compiling and analyzing data from cyber. Therefore, it will help a lot in enhancing value and service to all those subscribed to policies. In addition, CyberAcuView will ensure a sustainable competitive market for all cybersecurity insurance companies. According to the report, there will be strict guidance and review in all cyberAcuView’s activities.

First CEO of the Cyber Risk Mitigation Company

The first CEO of the brand new company is one and only Mark Camilo. He is not a new person as he has been in the insurance business for many years. He has been head of cyber at AIG. He will be taking control of the new company that has many expectations to meet. He is capable, he is up to the task, and all companies are behind him to deliver. Risk mitigation is something that has been bothering all the seven founding insurance companies’ members. In addition, six of these founding members are the best in the world insurance business in the world. Therefore, this company will be of great importance to Risk Mitigation in all cyber insurers because they will invite all insurance writers to be associate members.

The new CEO will have a team of great leaders like Monica Lindeen, coming from Montana Insurance. She will be a director of Regulatory Affairs. Moreover, James Schweiter will join the team as a director of law enforcement engagement.

Dealing with Risk Mitigation

Founding members have stated how they will deal with cyber risk mitigation using the new company. They will do this by:

§  First, they will be able to do thorough research and provide best practices. It will help the industry to become more resilient to cyber risk.

§  Secondly, they will be able to collaborate with all other security agencies. They will implement this by proactively engaging with the industry’s key players to counter cybercrime and the rise of ransomware.

§  Thirdly, they will be able to improve market efficiency. Through new systemic risk mitigation solutions and improved policies, the insurance will be in a better position.

§  Finally, by analyzing trends and advancements, the new company will provide greater visibility on cyber-attacks. Also, it will know exactly the causes of loss for insurers to identify critical controls for them to create awareness and educate policyholders on the best practices and prevention strategies.

In conclusion, cyber risks are evolving every day.  Therefore, insurance companies need to combine all their resources to have control in this never-ending fight. The insurance industry will benefit a lot by standing together in this fight. According to research done by Fitch, it shows that cyber insurance industry is growing. It also shows that it can still grow by far as there is a space for growth. In a few years, a lot will change as all insurance companies are beginning to work together to improve the industry.

The Cyber Insurance Market Raises Concerns Amid Increased Ransomware Cases

Ransomware Epidemic

The ransomware epidemic is a major concern today. That is true, especially to the cyber insures. Cases of ransom demand have increased from $15,000 to $175,000 in the last five years. According to the NetDiligence 2021 report, this is a more than twelve-fold increase.

But that is not all; ransom demands have increased over the last three years. It surpassed the $1 million minimum in 2018 and $3 million in 2019. The case even worsened in 2020 when it passed the $50 million thresholds.

Hackers are reportedly getting more opportunistic with their threats. Unlike in the past, they are making more seven-figure demands. And this has a significant effect on the cyber insurance limits. It is also forcing carriers and the insured to leverage out-of-pocket options. The 2020 peak has even forced the insurance market to take additional steps for the best.

The Result of Ransomware Epidemic to Insurers

Today, with the increased ransomware epidemic, insurers are reacting differently. But, Ari Griller notices some commonalities in the whole endeavor. One of the issues that most insureds realize is that the prices for cyber insurance have increased. Ari Griller agrees that the pricing from 2020 to 2021 increased between 35-40%.

Many factors are responsible for this hike in rates. But the severity and frequency of ransomware are largely to blame. Griller also noticed a significant difference today in cyber insurance market price. Yet, this still comes as a surprise to many. They say the product line has been affordable even during such exposure in the past.

Far from premium hikes, some providers are sub-limiting ransomware and related cases. This means the policyholders will only claim a fixed amount for any case of cyberattacks. Not only that, but this will also include costs for forensic, legal, and other threats. Also, some providers are opting for insurance provisions to force risk sharing.

Griller connotes that the underwriting process has changed. Today, the process is more intensive on the verification of ransomware and the client’s unique situation. With the ransomware epidemic soaring, the carriers are also managing their limits. Many are times when the carriers reduced their capacity to offer compensation.

Long-Term Solutions for The Ransomware Epidemic

Griller says dealing with the ransomware epidemic requires long-term solutions. He agrees with the need for a rate increase and more intensive underwriting. But he says all these are short-term solutions. On his end, he claims raising awareness of ransomware is one of the long-term solutions. In addition, helping the insureds to bolster their cybersecurity stand is also an excellent consideration.

The Tokio Marine HCC-Cyber & Professional Lines Group Vice President emphasizes partnership. That is between the insured and the carrier to ensure long-term solutions. However, he is concerned about how people only see the carriers only as risk transfer agents. That is why he recommends the need for the carriers to be part of their insureds’ risk management plans.

Tokio Marine HCC-Cyber & Professional Lines Groups are committed to working with other stakeholders. And that is much like a recent partnership they did in October 2020. The company, together with CrowdStrike, announced a plan to offer cloud-delivered endpoint protection. This will allow the insureds to address the increasing ransomware epidemic.

The group is also partnering with OneIT to provide clients multi-factor authentication. They make this possible with their Cisco’s Duo and a secure offsite backup and recovery. All these solutions they deliver to the insureds at reduced costs. Alongside their preventive solutions, they help the insured improve their existing security methods. And as the say goes, prevention is the best cure; the agency is committed to ensuring that.

Wrap Up

It may be the last thing the insureds want to hear, but cyber insurance pricing will not reduce soon. So, now when ransomware attacks are on the rise, the providers will use this to hike prices. But as Griller opined, having long-term solutions is the only way to go. Added to the preventive measures, he hopes, the threats will be easier to handle.

Smaller Businesses Need for Cyber Insurance is Rising Amidst Increase in Cyber Threats

Cyber Insurance

The demand for cyber insurance is currently on the rise. A perfect case example is a recent report from Canada. Most small and medium businesses are increasing their need for cyber protection. This is coming at a time when cybersecurity and other cyber threats are on the rise.

Consequently, these businesses are looking for cybersecurity insurance to protect their businesses. According to reports from market overserves, it is common for SME owners to ignore the worry about cybercrime. After all, why would the attackers bother with such entities instead of going for the heavyweight like Yahoo?

Specialists’ View On the Rising Need for Cyber Insurance.

Danish Yusuf, CEO of Toronto’s Zensurnce, had his opinion to put across. For him, the need for cyber insurance has indeed risen due to increased cybercrime. Also, most SME owners are opting to go this route for compliance reasons. But in reality, the whole idea to fully insure the SMEs will take an extra two years to stabilize.

Yusuf said that often, the breaches involving the bigger organizations hit the headlines. On the other hand, the many smaller attacks don’t make news.

It is true the attackers have been friends with the bigger organizations compared to the smaller ones. But they are now applying an equal-opportunity approach. This is the new trend, especially now when the heavyweights are investing more in cybersecurity. Yusuf noted that people tend to ignore cases of a $10,000 loss. Yet, the accumulation of such smaller amounts on several SMEs makes a significant difference. Meaning every breach or threat is worth cyber insurance.

The Way Forward for Small Businesses’ Cyber Insurance

IBM Security’s 2020 report claimed 51% of organizations with cyber insurance recovered their losses. They used the claims as costs of legal services and third-party consultations. The suits also covered the victim’s restitution in several instances.

Yusuf also noted the need for policies suitable for the smaller companies. And that is where cyber insurance will make the biggest difference. So, he called for the SMEs to leverage insurance to protect themselves further. He called for the need to simplify policies to secure businesses from online crooks. Ho also echoed the sentiments with simpler agreements needed to assist SMEs.

Ho said owners should assess themselves to determine why they are likely to be targeted. They should check their email security to ensure the ultimate protection. While at it, it is an excellent idea to educate employees on how to spot cybercriminals. Another essential thing to look at is the issue of double verifications for logins. He also cautioned companies to be aware of the vast risks new technologies expose them to.

Yusuf emphasized that point-of-sale systems and data ransom are the common areas of interest. So, when seeking insurance, owners should reveal all the information to the brokers. With that, they put the providers on the hook to offer the best coverage.

Final Words

Cases of cyberattacks are on the rise. Small or big, every entity is at risk, and the need for protection can never be overstated. As such, SME owners should seek cyber insurance before they fall victim to costly attacks.

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