The ‘Not Me!’ Problem …

Remembering 24 different passwords, memorizing four PIN numbers and in-stalling updates all the time is frustrating enough.

Many of us also have to remember the code for the door, the alarm code for the alarm panel next to the door, the secret password to tell the alarm company, the passcode to your phone, the garage code … You get the idea.

This logic is based on a time when threats were more “real,” like the idea of someone robbing our house. In 2020, these types of threats are statistically less likely to happen than virtual threats like fraudulent credit card charges, data loss and identity theft. In fact, cyber-attacks occur three times as often as home burglaries in the United States, according to a 2016 study by the University of Kentucky.

It’s important to avoid the “Not me!” approach to this shift. Businesses say this all the time: “I’m too small for anyone to want to steal my data. I have a good firewall, hourly backups and a great IT support partner – no one will steal my files.”

But the truth is that businesses with under 100 employees are low-hanging fruit for cybercriminals – yes, that’s a lot of you! It can happen to you, so you must approach all aspects of

physical and electronic security with the attention they deserve in today’s business world.


There are several types of business insurance on the market. Each one serves a different purpose and getting the right insurance can save you the major headache that comes with not having insurance or having the wrong type of coverage. While we can’t list them all here (there are too many!), here are a few examples:

Commercial property insurance – This is one of the most important forms of insurance. It protects equipment in the business against damage or loss.

General liability insurance – This is an-other important one. It helps cover injury and legal expenses should someone get hurt on your business’s premises.

Cyber-insurance – This offers protection should you fall victim to malware, cyber-attacks and other digital threats. Basically, if your business is connected to the Internet, you need extra protection.

This is another layer of protection on top of existing insurance. Exact details vary by plan, but it can often protect you if you need to pay legal fees or costs related to building or equipment damage. Small Business Trends, May 13, 2020

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