• Ron Kulik

Great! You have cyber security Insurance: So why was your claim denied?

In today's world, hackers are constantly looking for new ways to steal data and money. This makes it so that cyber security insurance is an excellent idea. It's unknown when one of your employees or customers might be hacked, even if you're not the target. Sadly, sometimes these claims are denied because people don't understand how they work. This article will cover some common reasons why you may have had your claim denied and what you should do about them.

Not Using MFA/2FA on all websites and apps.

When you have MFA/two-factor authentication enabled, your account will be much more secure. It won't matter if someone is able to guess or find out your password; without the access code, they can't log in. This also protects against keyloggers which are very common nowadays. That's why every service you use must have MFA/two-factor authentication enabled. Often, people will forget to enable it on a new website or service they sign up for and then get hacked, allowing the hacker access to their other accounts.

Using Default Passwords

Many online services require you to set your own password, but some still have default passwords stored. Hackers have this information and use it to their advantage; if they can guess the default password,, they have a much higher chance of hacking your account! Make sure that every service you sign up for has its unique password with proper security settings.

Lack of Cybersecurity training

One of the largest parts that cyber security insurance protects against is human errors. The more your staff knows about protecting themselves, their data, and company resources from hackers, the better. If you have many employees, then it might be best to hire someone specifically for cybersecurity training. It not only makes sure they know how to protect themselves but also that they know how to respond if you are hacked.

Un-patched or un-updated software

Hackers are inventing innovative ways to get into systems, and sometimes they use bugs that have already been fixed. This is why it's important to make sure your software, like the operating system on your computer, has all of its updates applied when they come out! If you aren't aware of what version of an operating system you are running, it's a good idea to check and make sure your computer isn't out of date.

Using Public Wi-Fi without protection - VPN

Public Wi-Fi is great for when you're traveling or at conferences, events, etc., but that also makes them easy targets, leading to hacking. Make sure that if you have sensitive data on your laptop or phone, you don't connect to any public Wi-Fi without first doing some research. Websites like Wi-Fi Risk can help alert you to whether Wi-Fi is safe or not and what implications it might have if compromised.

Devices not patched with latest security patches

Often, it's important to keep devices on your network patched with updates. This is true if you use them for remote access or administration purposes. Otherwise, they are an easy way into your system. Ensure that all computers and other internet-connected devices have their automatic software update feature turned on so they can get the latest security updates. This way, you know that they're always secure with the latest protection and fixes. Otherwise, they could leave your network wide open for hackers!

Using weak passwords or reusing old ones

If someone can guess password, it is very easy for them to hack into multiple services because many of them reuse the same password. This is why it's important to make sure your passwords are difficult enough that they can't be guessed by someone who knows what they're doing.

Keeping devices on older versions of operating systems (OS)

For similar reasons as not keeping software up-to-date, hackers also love finding ways into old devices. If you have devices on older operating systems, it makes them much less secure than newer ones, so make sure to upgrade!

Encryption on sensitive data

Encrypting your data is very important because it means that even if someone does get into them, they won't be able to do anything with the information! This makes encryption great for keeping hackers out of things like emails and passwords. Note that you should never use unencrypted devices or networks when storing private information like passwords or credit card details.

No backups or not up to date backups of critical systems and data

Having a backup of your files and systems is particularly important for when you lose or break something, but it's also great because if someone manages to get into your computer, they can't delete all of them! Having up-to-date backups means that even if someone does manage to make off with the originals, as long as there's a backup somewhere, you'll be able to get everything back.

None or Not updated antivirus/ransomware protection

Antivirus is an important piece of software because it can help you protect against viruses, malware, and other threats. Updating your antivirus regularly makes sure that your computer stays protected at all times, so make sure to pay attention on when the updates are happening!


These are only some of the things you need to do to keep your cyber security insurance claim from being denied. Let us help you before you need to file a claim. Contact one of our certified security experts today and schedule a security assessment. You may be able to use the assessment to get a lower rate on your cyber security insurance.

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