#CyberPolicy

[thxnews]

UK Doubles Down on Cyber Defenses with Skills Push

During a keynote address at the CyberUK 2024 conference in Birmingham, Tech Minister Saqib Bhatti unveiled the UK government's latest initiatives to fortify the nation's cyber resilience and defend against mounting digital threats. The multi-faceted strategy involves leveraging cutting-edge technologies like AI, instituting stringent security codes for software vendors and developers, and building a world-class cyber workforce through professional certifications and skills training. Addressing one of the core cybersecurity challenges, Bhatti emphasized the government's "secure by design" approach to ensure new technologies have security embedded from the ground up. He cited recent consumer IoT device laws that mandate robust default passwords, stated vulnerability disclosure policies, and minimum update periods as an example of UK leadership driving global tech policy.  

Ethical-ai graphics. Artwork by i-Pro.  

New Codes to Govern Software and AI Security

Two new codes of practice published on gov.uk today double down on this security-first philosophy: The Software Vendor Code sets principles for secure software development lifecycles, controlled build environments, secure deployment practices, and transparent communication through supply chains - aiming to prevent repeats of attacks like those crippling the BBC, British Airways and NHS systems. The AI Cyber Security Code provides guardrails for developing AI applications resilient against hacking, tampering or manipulation, forming the basis for an international standard built on NCSC guidelines.   "Getting this right is crucial for the future security and resilience of our tech ecosystem," Bhatti stressed. "We're really keen to have industry feedback on strengthening these codes."   Credentials and Skills to Raise the Bar Beyond technical baselines, the Minister outlined strategic levers to improve Britain's overall cyber posture through upskilling the workforce and mandating security standards. Highlighting new statistics showing Cyber Essentials-certified firms face 92% fewer cyber insurance claims, he bluntly stated "Cyber Essentials works" and called for mass adoption of the scheme's risk-reducing practices.  

Cyber Suffragettes at Pankhurst Centre Zebra Hub Wiki Edit a thon. Photo by Wiki Zebra Carol. Wikimedia.  

Standardizing the Cyber Workforce

On the human capital front, a new "professional titles" program developed jointly with the UK Cyber Security Council will provide portable, recognized accreditation defining clear career pathways and competencies for cybersecurity practitioners. A public statement published alongside Bhatti's speech formalizes commitments from government bodies, regulators and techUK members to incorporate these professional certifications into hiring and workforce development by 2025.   Scaling Up Youth Cyber Training Bhatti also revealed plans to significantly expand the successful CyberFirst program which has already reached over 260,000 students across 2,500 UK schools since 2016 with hands-on cybersecurity skills training. The forthcoming public consultation will explore options like spinning off delivery into a new independent organization dedicated to rapidly growing the initiative's impact as a talent pipeline for the field.  

Coordinated Economic Defense

Underscoring the collaborative "whole-of-nation" approach mandated by the National Cyber Strategy, the Minister highlighted parallel efforts raising baseline security requirements across all sectors through regulatory updates, public-private partnerships and coordinated risk management. "The cyber threat isn't just hitting our national security - it's impacting our entire economy," Bhatti warned bluntly. "These malicious actors cannot be allowed to prevail. By working hand-in-glove with our industry partners, we will ensure Britain's economy remains secure, resilient and fit for Cloud Age innovation."   This includes the looming expansion of the NIS Regulations to cover managed services providers, continued collaboration between tech firms and U.K. cyber authorities like NCSC and NCSC-certified penetration testing under the evolving CBEST framework. Cooperation with financial regulators and the Bank of England on sector-specific resilience efforts is also increasing.  

Royal Anglian Regiment Parade observed by Stephen McPartland MP. Photo by Peter O'Connor. Flickr.  

Nurturing the UK's Cybersecurity Powerhouse

With the cybersecurity industry now viewed as an engine for economic growth, the government aims to nurture the UK's burgeoning £11.9 billion cyber sector which already employs over 60,000 nationwide according to new figures. An upcoming independent review by MP Stephen McPartland will further detail how proactive cyber policies can drive job creation, investment and innovation across the nation's digital economy. As cyber threats proliferate from individual hackers to hostile nation-states, the UK is rapidly building a comprehensive defensive posture spanning technology, policy, workforce development and lockstep public-private coordination. People and businesses are encouraged to monitor the National Cyber Security Centre for the latest guidance as these new resilience initiatives take shape.   Sources: THX News, Department for Science, Innovation and Technology, National Cyber Security Centre, FCA, House of Commons Library, Bank of England & Saqib Bhatti MP. Read the full article

[renaisoftgamereviews]

The Best Cyber Insurance Coverage Firms To Guard Your Corporation

As an insurance coverage company rather than a direct insurer, CyberPolicy lets you get a number of quotes for cyber insurance, and coverage can start within 24 hours. HSB offers Cyber Suite safety for small to mid-sized companies, including law firms. There is a variety of restrict options, making it a good selection for solo […]

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source https://www.renai-soft.com/the-best-cyber-insurance-coverage-firms-to-guard-your-corporation/

[koliasa]

US Sanctions on Russia Rewrite Cyberespionage's Rules

https://koliasa.com/us-sanctions-on-russia-rewrite-cyberespionages-rules/ US Sanctions on Russia Rewrite Cyberespionage's Rules - https://koliasa.com/us-sanctions-on-russia-rewrite-cyberespionages-rules/ Some cyberpolicy critics see Biden’s sanctions for SolarWinds ...

[awesomecloudcity]

EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica - TechFromTheNet

EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica – TechFromTheNet

#Cloudcity #ITCNewshttps://techfromthenet.it/2021/03/29/eu-cyberpolicy-forum-kaspersky-parla-di-sicurezza-informatica/ EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica  TechFromTheNet

[insurancelifedream]

This Is Why Progressive Small Business Insurance Is So Famous! | progressive small business insurance

If you are looking for commercial insurance quotes that have all the coverage levels at their best rates, then Progressive is one company you should look at. There are many independent agents and brokers in the world today that offer Progressive insurance as a form of protection for their clients. This can be one of the smartest and most economical moves that anyone can make. With so many different types of insurances available, and so many factors that can affect premium costs and the level of protection, there is little wonder why anyone would want to take the time to find the very best commercial insurance quote possible. Progressive is just one of many great companies to check out.

When you start looking at Progressive's portfolio of business insurance reviews, you will quickly notice that the scope of the product offerings really does cover everything that you need in order to keep your small business protected from all risks. No matter what type of industry you are in, there is always a type of protection that this particular provider offers its customers. Workers' compensation is one of the most important things that they have available for this type of insurance. They have even expanded their portfolio of benefits to include general liability, as well. This is another great benefit that they offer to their customers.

Progressive small business owners will be pleased to know that they do cover workers' compensation, which is also very helpful. These policies cover workers that are hurt on the job, or who are injured from some other source on the property of the business. In addition to providing workers' compensation, the policies cover damage to personal property of the business owner, as well as any damage caused by the products that are sold within the establishment. Most of the policies cover these three aspects, which makes them very comprehensive in their coverage.

As a small business owner, it is important that you have adequate protection available for your employees. You should make sure that you are taking every step necessary in order to have adequate policies in place. There are plenty of options that are available for you to choose from, including workers' compensation and general liability insurance. In the past, Progressive was known for offering policies that were not very comprehensive, but now they have started to provide policies that are considered to be very fair. The best part about this is that their prices have remained relatively the same for all policy holders.

One of the main benefits of progressive commercial insurance policies is that they provide you with a little bit of flexibility when it comes to your workers' compensation insurance. It can be a good idea for you to change jobs several times over the course of your working life. If you do not have any permanent employees, you can take advantage of their workers' compensation benefits and file claims whenever needed. It is always a good idea to get more than one set of workers' compensation insurance quotes, as you want to be sure that you are receiving the best price for your coverage.

When shopping around for affordable commercial insurance policies, you may find that a progressive company may be a better option for your needs. You can speak with a representative from your local insurance company to see what kind of options you will have in place. You may also want to consider making an appointment with a progressive agent to discuss your business insurance needs. A professional agent will be able to help you make the best possible decision for your small business.

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[thetitleandescrowservant]

Discover helpful tips and information to protect your business from cyber fraud, and learn about NAR’s new REALTOR Benefits® Program partner, CyberPolicy®. #RealEstate #Realtors #RealEstateAgent #TitleRep #Luis4Title #RealtorLife #NETCOTitleIE #2020RealEstate #Realtor® #RealtorsofInstagram #NETCOtitleCalifornia #RealtorLifestyle #TheTitleandEscrowServant #Realtorin #NETCOtitleNationwide #ConnectWithLuis #InlandEmpireRealEstate #WhoYouWorkWithMatters rismedia.com/2020/06/09/planning-for-succession/

[awesomecloudcity]

EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica - TechFromTheNet

EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica – TechFromTheNet

#Cloudcity #ITCNewshttps://techfromthenet.it/2021/03/29/eu-cyberpolicy-forum-kaspersky-parla-di-sicurezza-informatica/ EU Cyberpolicy Forum, Kaspersky parla di sicurezza informatica  TechFromTheNetSpazio Domenico Romeo: “Sicurezza informatica e furto di identità sanitaria” – Lamezia in strada  Lamezia in stradaCybersecurity, Ue e Onu spingono per una prima collaborazione globale  Agenda…

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6 Stereotypes About Progressive Small Business Insurance That Aren’t Always True | progressive small business insurance

Progressive Small Business Insurance provides the benefits that your company needs to survive in today's market. Progressive small business insurance is specifically designed to protect your company from many of the financial disasters that can occur in today's business environment. By providing your business with affordable and adequate insurance, you are taking a proactive step towards making sure that you are not left behind by the ever changing world of business.

When shopping for insurance, you want to make sure that you understand the options that you have available to you. When purchasing your insurance policy you will need to decide if you want to purchase comprehensive or collision insurance. Comprehensive insurance is designed to protect you from any of the more serious incidents that may occur to your company such as explosions, fires, earthquakes, and vandalism.

Collision insurance is designed to protect you from any type of damage that may occur to your business on a temporary basis. If your business was to be damaged due to a natural disaster such as tornadoes, earthquakes, or floods then your insurance company may provide coverage for temporary repair costs. However, the cost of repairing your building or your personal property can eat into your profit margin. In many cases the longer that you wait to purchase insurance the higher your monthly premiums will continue to increase.

Progressive small business insurance provides several different options for you to choose from. Some of the types of policies that you may want to consider include health, liability, and accident insurance. Each of these policies has its own set of benefits that you will need to make sure that you purchase in order to adequately protect your business from a variety of potential threats.

Comprehensive insurance is often the most expensive option but it provides the best protection possible. These types of policies typically pay out for your personal property, your business's building and any other items that may be in your possession when an incident occurs. A comprehensive policy is often the better choice because it will cover your company completely against any and all incidents that might occur that would damage or destroy both your building and your personal property.

As you can see, Progressive small business insurance is designed to protect your company and allow you to focus on the day to day operations of your business. The peace of mind that you receive from being able to take steps to protect your business is priceless and you are able to focus on the important tasks of growing your business instead of focusing on how to pay your monthly insurance premiums.

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[unixcommerce]

11 Types of Business Insurance You May Need

Getting the right kind of business insurance is important. It can help you to safeguard against a drop in sales, natural disasters and even unforeseen crises. Small Business Trends contacted Keith Moore of CyberPolicy to find out the types of business insurance your operation needs. Having the right type of insurance coverage is just as important as the goods and services you sell. He told us what’s important to get.

Choosing the right type of insurance requires knowing exactly what you need.

Types of Business Insurance your Operation Needs

Below is a list of the different types of insurances for a business you’ll need. It’s a good starting point when you’re looking to find the right policy to insure your business. Having an expert on your side is a good way to decide which of these policies is best for your particular business.

Depending on the industry you work in, you might need more of one kind of coverage than another.

First of all, Moore explains what a startup needs.

“Startups definitely need business insurance. Depending on your business, you may need a myriad of insurance policies. A BOP policy is a great starting point because it includes the coverage of General Liability (bodily injury and property damage) and Business Property.

He says a startup will also need Workers Compensation and other forms of insurance.

Types of Business Insurance

Getting the right insurance protects your enterprise from any kind of business interruption. Moore started talking about different types of insurance for businesses. He said there was insurance for business to cover everything from employees to the property the company is on.

These cover everything from property damage to certain other situations. It’s important to consider your options here if you live in a flood zone or an area prone to fires. Some of these types of natural disasters can hamper your ability to make money.

Property

Commercial property insurance is important for a business. It doesn’t matter whether you’re looking to insure business property that is in your home or an office building. This type of insurance for business protects things like office furniture and equipment inside. Look for a policy that protects things outside like the signs on your property.

Property insurance is one of the cornerstones any business needs. It’s a necessary coverage.

Business Owners Policy (BOP)

This type of policy can be paired with general liability and business property insurance. It’s good for business owners who rent a space and have equipment in it.

“It’s also good for business owners with employees that could act dishonestly or steal clients’ property, or have business equipment such as computers, printers and furniture,” Moore says.

General Liability

“General liability helps cover medical expenses and legal fees resulting from bodily injuries and other issues for which your business may be legally responsible,” Moore says.

It can also protect employees with a personal injury clause that covers property damage. This type of policy can also cover defamation and slander. It’s a coverage you’ll need to have and a type of insurance your business can’t do without.

Liability insurance is important for any business. Covering your legal costs is an important part of staying afloat. This is the type of policy that takes a lot of the worry off your chest as a business owner.

Professional Liability / Errors and Omissions

Your business needs to have liability insurance. Business owners need to cover all of the bases. This type of policy is also known as errors and omissions policy. As far as insurances for business goes, this is another must-have.

Moore explains what this professional liability insurance does for a small business.

“This type of insurance also known as Errors & Omissions insurance(E&O) protects a business against claims of negligence, failed services, or incomplete services. ”

It’s an important part of your business insurance toolkit. Covering all the angles if you live in a place prone to natural disasters is important.

Workers Compensation

A business also needs to look at getting Workers’ compensation insurance. It’s important business owners make sure they are covered with this policy. This coverage is often state-mandated.

“Accidents do happen, so your employees will receive financial coverage for missed wages and medical expenses for any unfortunate mishaps that occur at work,” Moore says. He also mentions that business owners can look at it as a type of liability insurance.

“In some cases, it can protect your company from lawsuits for workplace conditions that are alleged to cause harm.”

This is especially important coverage if you’re a contractor. Many of your clients will want to be sure you covered this angle. Homeowners don’t want to be worried about the liability involved if you don’t have this coverage.

Cyber Insurance

“Cyber insurance protects your business from malware, cyber attacks and data loss – very real threats to every business. If your business does anything online, then you need cyber insurance,” Moore says. There are a few types involved here. Make sure any policy you are looking for covers processing credit cards and accepting digital payments as well as storing confidential information.

There are different types of business insurance under this banner. Look for a policy that covers financial data too. Keep in mind cybercriminals are always inventing new ways to steal your data. There can be legal consequences if you are not covered with this type of insurance for a business and data or personal information is stolen.

Unemployment Insurance

This is important when you want to look after employees. This insurance is a great incentive in a tight labor market. A policy that offers supplemental coverage can help you attract employees.

Having a benefits package that includes this type of insurance will help you stay ahead of the competition. It’s a good bonus to have in today’s highly competitive markets.

Business Interruption

A flexible business needs to be ready with an interruption insurance policy. This coverage can look after a commercial property or even supply coverage for a home-based business.

“This insurance helps replace any income lost if you cannot open your business for a period of time,” Moore says. Unfortunately, this business insurance doesn’t cover viruses or quarantines and travel bans. That’s an important consideration for interruption insurance.

Directors and Officers

There are other business insurances designed for management. Moore says this insurance is designed for a company’s directors, officers and board members.

Moore says there are some specific examples where this policy is important.

“This policy is needed if you have a board of directors, wish to attract and retain senior leadership and have non-profit status.”

Umbrella Insurance

“This adds an additional layer of protection to your existing liability coverage, protecting your business from things that might not be covered under your standard policy such as legal fees, medical bills and damage expenses.”

Regardless of the type of business you’re in, this insurance adds an extra layer of protection. You want to look at coverage from every possible angle.

Life Insurance / Key Person

This is important if an important employee or business owner is unable to work or has become disabled. It’s about business continuity and pays out to a key person.

Health Insurance

Health insurance is important for attracting employees. However, it doesn’t do anything to protect the business.

Other Types

It’s important to consider property insurance and other types that might be specific to your industry.

“Commercial Auto insurance protects your vehicles and employees on the road and covers any mishaps involving vehicles driven by you or your employees during the course of business,” Moore says, “This insurance is great for anyone that uses a vehicle for business purposes.

He mentions real estate professionals, contractors, delivery drivers and rideshare drivers.

FAQs

Do I Need Insurance for a Startup?

Yes, even startups need insurance. Read Expert Insurance Tips When Starting a Business and Benefits of Business Insurance.

How Much Does Small Business Insurance Cost?

Moore explains:

“For small business insurance pricing, it’s really a wide range as small businesses can all have different levels of risk; however, small business insurance policies can cost as little as $250/year.”

That can even include liability insurance. The idea here is to shop around to get several different quotes. Don’t go with the first company that offers you some numbers for any of these policies.

How Do You Get Business Insurance?

You get business insurance through an insurance agent, an online insurance marketplace, or the insurance company’s website. Certain types of insurance such as workers’ compensation and unemployment insurance coverage for workers are governed by state law and may be part of a state arrangement depending on the state.

Moore stresses getting the right policy is easy.

“Getting business insurance is simple. Being that it’s 2020, comparison shopping for your business insurance is a smart way to find the policy that best fits your business’s unique needs and budget. You can always speak to a licensed insurance advisor for additional questions before making your purchase. Once you purchase your policy, your insurance will be active within 24 hours.”

Image: Depositphotos.com

This article, “11 Types of Business Insurance You May Need” was first published on Small Business Trends

https://smallbiztrends.com/

The post 11 Types of Business Insurance You May Need appeared first on Unix Commerce.

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[businessreviewguidenow]

11 Types of Business Insurance You May Need

Getting the right kind of business insurance is important. It can help you to safeguard against a drop in sales, natural disasters and even unforeseen crises. Small Business Trends contacted Keith Moore of CyberPolicy to find out the types of business insurance your operation needs. Having the right type of insurance coverage is just as important as the goods and services you sell. He told us what’s important to get.

Choosing the right type of insurance requires knowing exactly what you need.

Types of Business Insurance your Operation Needs

Below is a list of the different types of insurances for a business you’ll need. It’s a good starting point when you’re looking to find the right policy to insure your business. Having an expert on your side is a good way to decide which of these policies is best for your particular business.

Depending on the industry you work in, you might need more of one kind of coverage than another.

First of all, Moore explains what a startup needs.

“Startups definitely need business insurance. Depending on your business, you may need a myriad of insurance policies. A BOP policy is a great starting point because it includes the coverage of General Liability (bodily injury and property damage) and Business Property.

He says a startup will also need Workers Compensation and other forms of insurance.

Types of Business Insurance

Getting the right insurance protects your enterprise from any kind of business interruption. Moore started talking about different types of insurance for businesses. He said there was insurance for business to cover everything from employees to the property the company is on.

These cover everything from property damage to certain other situations. It’s important to consider your options here if you live in a flood zone or an area prone to fires. Some of these types of natural disasters can hamper your ability to make money.

Property

Commercial property insurance is important for a business. It doesn’t matter whether you’re looking to insure business property that is in your home or an office building. This type of insurance for business protects things like office furniture and equipment inside. Look for a policy that protects things outside like the signs on your property.

Property insurance is one of the cornerstones any business needs. It’s a necessary coverage.

Business Owners Policy (BOP)

This type of policy can be paired with general liability and business property insurance. It’s good for business owners who rent a space and have equipment in it.

“It’s also good for business owners with employees that could act dishonestly or steal clients’ property, or have business equipment such as computers, printers and furniture,” Moore says.

General Liability

“General liability helps cover medical expenses and legal fees resulting from bodily injuries and other issues for which your business may be legally responsible,” Moore says.

It can also protect employees with a personal injury clause that covers property damage. This type of policy can also cover defamation and slander. It’s a coverage you’ll need to have and a type of insurance your business can’t do without.

Liability insurance is important for any business. Covering your legal costs is an important part of staying afloat. This is the type of policy that takes a lot of the worry off your chest as a business owner.

Professional Liability / Errors and Omissions

Your business needs to have liability insurance. Business owners need to cover all of the bases. This type of policy is also known as errors and omissions policy. As far as insurances for business goes, this is another must-have.

Moore explains what this professional liability insurance does for a small business.

“This type of insurance also known as Errors & Omissions insurance(E&O) protects a business against claims of negligence, failed services, or incomplete services. ”

It’s an important part of your business insurance toolkit. Covering all the angles if you live in a place prone to natural disasters is important.

Workers Compensation

A business also needs to look at getting Workers’ compensation insurance. It’s important business owners make sure they are covered with this policy. This coverage is often state-mandated.

“Accidents do happen, so your employees will receive financial coverage for missed wages and medical expenses for any unfortunate mishaps that occur at work,” Moore says. He also mentions that business owners can look at it as a type of liability insurance.

“In some cases, it can protect your company from lawsuits for workplace conditions that are alleged to cause harm.”

This is especially important coverage if you’re a contractor. Many of your clients will want to be sure you covered this angle. Homeowners don’t want to be worried about the liability involved if you don’t have this coverage.

Cyber Insurance

“Cyber insurance protects your business from malware, cyber attacks and data loss – very real threats to every business. If your business does anything online, then you need cyber insurance,” Moore says. There are a few types involved here. Make sure any policy you are looking for covers processing credit cards and accepting digital payments as well as storing confidential information.

There are different types of business insurance under this banner. Look for a policy that covers financial data too. Keep in mind cybercriminals are always inventing new ways to steal your data. There can be legal consequences if you are not covered with this type of insurance for a business and data or personal information is stolen.

Unemployment Insurance

This is important when you want to look after employees. This insurance is a great incentive in a tight labor market. A policy that offers supplemental coverage can help you attract employees.

Having a benefits package that includes this type of insurance will help you stay ahead of the competition. It’s a good bonus to have in today’s highly competitive markets.

Business Interruption

A flexible business needs to be ready with an interruption insurance policy. This coverage can look after a commercial property or even supply coverage for a home-based business.

“This insurance helps replace any income lost if you cannot open your business for a period of time,” Moore says. Unfortunately, this business insurance doesn’t cover viruses or quarantines and travel bans. That’s an important consideration for interruption insurance.

Directors and Officers

There are other business insurances designed for management. Moore says this insurance is designed for a company’s directors, officers and board members.

Moore says there are some specific examples where this policy is important.

“This policy is needed if you have a board of directors, wish to attract and retain senior leadership and have non-profit status.”

Umbrella Insurance

“This adds an additional layer of protection to your existing liability coverage, protecting your business from things that might not be covered under your standard policy such as legal fees, medical bills and damage expenses.”

Regardless of the type of business you’re in, this insurance adds an extra layer of protection. You want to look at coverage from every possible angle.

Life Insurance / Key Person

This is important if an important employee or business owner is unable to work or has become disabled. It’s about business continuity and pays out to a key person.

Health Insurance

Health insurance is important for attracting employees. However, it doesn’t do anything to protect the business.

Other Types

It’s important to consider property insurance and other types that might be specific to your industry.

“Commercial Auto insurance protects your vehicles and employees on the road and covers any mishaps involving vehicles driven by you or your employees during the course of business,” Moore says, “This insurance is great for anyone that uses a vehicle for business purposes.

He mentions real estate professionals, contractors, delivery drivers and rideshare drivers.

FAQs

Do I Need Insurance for a Startup?

Yes, even startups need insurance. Read Expert Insurance Tips When Starting a Business and Benefits of Business Insurance.

How Much Does Small Business Insurance Cost?

Moore explains:

“For small business insurance pricing, it’s really a wide range as small businesses can all have different levels of risk; however, small business insurance policies can cost as little as $250/year.”

That can even include liability insurance. The idea here is to shop around to get several different quotes. Don’t go with the first company that offers you some numbers for any of these policies.

How Do You Get Business Insurance?

You get business insurance through an insurance agent, an online insurance marketplace, or the insurance company’s website. Certain types of insurance such as workers’ compensation and unemployment insurance coverage for workers are governed by state law and may be part of a state arrangement depending on the state.

Moore stresses getting the right policy is easy.

“Getting business insurance is simple. Being that it’s 2020, comparison shopping for your business insurance is a smart way to find the policy that best fits your business’s unique needs and budget. You can always speak to a licensed insurance advisor for additional questions before making your purchase. Once you purchase your policy, your insurance will be active within 24 hours.”

Image: Depositphotos.com

This article, “11 Types of Business Insurance You May Need” was first published on Small Business Trends

source https://smallbiztrends.com/2020/05/types-of-business-insurance.html

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11 Types of Business Insurance You May Need

Getting the right kind of business insurance is important. It can help you to safeguard against a drop in sales, natural disasters and even unforeseen crises. Small Business Trends contacted Keith Moore of CyberPolicy to find out the types of business insurance your operation needs. Having the right type of insurance coverage is just as…

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Commentaires : Hacking, pédopornographie, arsenal numérique... : à quoi ressemble le quotidien d'un cyberpolicier ?

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NAR Member Benefits Partners Help REALTORS® Adapt to Effects of Pandemic

The pandemic has created profound changes that every business has been grappling with, and the real estate industry is no exception.

The National Association of REALTORS®’ (NAR) REALTOR Benefits® Program provides NAR members with savings and unique offers on several products and services that can help them adapt to the pandemic’s effects and find ways to build new business streams, protect their data and keep clients safe.

Effective Digital Advertising

Adwerx, the digital advertising platform that helps agents build awareness of their brand and promote listings to targeted groups of online prospects, offers NAR members an exclusive deal. REALTORS® receive 15 percent additional impressions—or bonus views—on newly purchased and renewed campaigns created on the Adwerx platform.

The benefit also extends to specialized products created to help brokers and associations looking to expand office teams or association membership. Adwerx can work with REALTORS® to identify what products work best based on budget, length of time and number of contacts.

This offer provides extra value when combined with any existing Adwerx offers that NAR members or brokerage firms may already have in place.

Today, more eyes are in front of screens than ever before. The Adwerx platform will promote agents’ personal brands everywhere that is important digitally, allowing them to leverage digital advertising and launch ads that target and follow local prospects using mobile apps and Facebook, surfing home search sites like realtor.com®, as well as when they’re visiting sites like CNN, Yahoo! and local news sites.

Agents can target prospects in a variety of ways, including with home listing ads in a specific radius of a home’s address, by zip code and by sphere of influence.

In addition, real estate teams or brokers can use Adwerx to recruit top agents by targeting those professionals with online ads in a given market. Adwerx’s team of experts will help agents stay top-of-mind in the neighborhoods and areas most important to their business with campaigns that are hyper-targeted, ensuring their impressions are reaching the right market.

Learn more about Adwerx at NAR.realtor/RealtorBenefits/Adwerx.

Insurance Against Cybercrime

Through CyberPolicy®, NAR members receive premium discounts and credits on cyber liability insurance from select first-class carriers. Created for REALTOR®-owned brokerages, plans can be secured with same-day coverage online. Liability insurance coverage addresses fraud, including hacking, phishing and ransomware.

CyberPolicy® and NAR developed a customized cyber liability insurance program designed to meet the unique needs of real estate professionals. It offers members-only features and assistance to help recover quickly from the devastating losses often incurred during a cyber attack or fraud. It also allows brokerages to restore operations and get back to business. Cyber insurance is essential given that real estate companies are major targets of cybercriminals. Brokers can’t afford to not protect themselves from financial and reputational risks that stem from malware, hacks and data losses.

Cyber insurance is supplemental risk mitigation coverage to be used in conjunction with other data security measures and risk management tools. Cyber loss coverage is not typically covered through E&O and other insurance policies, so it’s worth reviewing how coverage extends in these scenarios.

NAR worked with CyberPolicy® to create a comprehensive plan that covers unique situations particular to real estate professionals and includes exclusive NAR member benefits:

– Higher coverage limits than traditional cyber liability policies – Discounts on monthly premiums – First-party (you) and third-party (the client) coverage for actual financial losses; covering a client’s financial losses due to an email breach is unique to CyberPolicy – No retroactive date. Viruses or malicious code could be inactive for months before causing actual damage. Even if they were on the computer before the effective date of the policy and discovered after the policy’s effective date, NAR members are still covered and protected by the insurance policy.

To learn more and read about seven ways to protect your data from hackers, visit NAR.realtor/RealtorBenefits/CyberPolicy.

Offer Remote Signing With eSignature

NAR members can get special pricing—20 percent off select real estate plans—from DocuSign, the eSignature service that enables parties to remotely sign and send contracts and agreements.

For a limited time, DocuSign is offering an exclusive 90-day free trial for NAR members looking to get started quickly.

In addition, a version of DocuSign created especially for offices and teams of six or more provides the ability to define and optimize how transactions are managed across a real estate business. At the same time, it provides agents the power to truly embrace mobility and work on the go.

NAR members also receive special pricing for the DocuSign version for teams.

REALTORS® and their clients have long relied on DocuSign for its convenience. Today, they appreciate it even more because it facilitates touchless transactions, allowing all parties to sign paperwork remotely—something incredibly appealing for people wishing to minimize in-person contact during real estate transactions.

“DocuSign has allowed me to create and maintain a paperless business. Everyone appreciates it: my sellers and buyers and my fellow brokers,” says Margie Smigel, a Chicago-based managing broker/owner.

Learn more at NAR.realtor/RealtorBenefits/DocuSign.

Learn more about other REALTOR Benefits® Program partners who are providing solutions to members during this time.

The REALTOR Benefits® Program is the exclusive member benefits program of the National Association of REALTORS®, bringing savings and special offers just for NAR members. In one year, more than 800,000 REALTORS® gained an edge by leveraging at least one REALTOR Benefits® Program offering, saving $63 million on member benefits from industry-leading companies. Program partners are carefully selected and understand the unique needs of real estate professionals. Learn more and save by visiting NAR.realtor/RealtorBenefits.

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Tweeted

Cyberpolicy exposed a group of hackers who cheated Ukrainians for more than 5 million hryvnia. The attackers created a botnet that crawled and scanned passwords to gain full control of the victim PCs in order to steal bank credentials and money.https://t.co/7Mj8BUJ68Z pic.twitter.com/juneZERbdY

— Bank Security (@Bank_Security) January 12, 2019