Install
Cyber Risk guides
Biometric privacy (BIPA) lawsuits and insuranceHow BIPA biometric class actions work, what the 2024 amendment and 2026 Seventh Circuit ruling changed, and whether your liability policies will defend them.System failure, cloud outages and the CrowdStrike lessonHow cyber policies treat non-malicious outages and cloud failures, what the 2024 CrowdStrike and 2025 AWS outages showed, and which policy words decide payment.Cyber business interruption and dependent system failureHow cyber policies pay lost income and extra expense when systems go down, how waiting periods and dependent business interruption work, and what to ask.Building an incident response plan your insurer will likeWhat a cyber incident response plan needs for your policy to work: the hotline call, consent rules, evidence, legal deadlines and a tested first 24 hours.Data breach notification laws and what they costEvery state requires breach notices, and the law that applies is where affected people live. Deadlines, regulator notices, penalties and cyber policy payouts.Deepfakes and AI-driven fraud: what cyber and crime policies coverHow AI voice and video impersonation is used to move money, which policy answers a deepfake loss (crime, cyber or neither), and the controls insurers expect.Does a small business need cyber insurance?No law requires it, but most small businesses that hold customer data, take payments or wire money should carry it. How to judge your exposure and what to buy.HIPAA breaches and cyber insurance for healthcare providersHow the HIPAA Breach Notification Rule, OCR penalties and state laws drive costs after a patient-data breach, and what a cyber policy does and does not pay.Payment card fines and assessments: does cyber insurance pay?How card-brand fines and assessments reach a merchant, what Visa requires after a compromise, and three tests for whether a cyber policy pays PCI costs.The SEC's cyber incident disclosure rulesPublic companies must file Form 8-K Item 1.05 within four business days of finding a cyber incident material. The rule, its 2026 status and insurance links.State privacy laws and what they mean for business insuranceWhich comprehensive state privacy laws are in force as of October 2026, who they cover, and how they affect cyber insurance, regulatory cover and applications.Technology E&O insurance for software, SaaS and IT firmsTech E&O pays third-party financial loss when your software or IT service fails. How it differs from cyber, and where contract and IP wording trips buyers.