Welcome back to Cyber Noir. Forget the cookie-cutter campaigns. This week, the spotlight’s on Cyber Liability Essentials—so you know what you need, and you’re ready for whatever comes your way.
Who's Liable?
Cyber liability keeps you off the hook. Every breach has two sides. First-party = your costs. Third-party = their claims. Cyber liability covers both.
In the digital city, every business is a potential target. Before you sign on the dotted line for cyber insurance, ask yourself these questions—because in this town, only the prepared survive.
1. What’s covered—first-party losses or third-party claims? What are the sublimits hiding in the fine print?
2. Is ransomware on the list? What about business email compromise, social engineering, or outages from your tech partners?
3. Are you packing the right controls—multi-factor authentication, regular backups, a tested incident response plan?
4. What warranties do you need to keep your coverage from vanishing like a shadow at midnight?
5. How does the claims process work? Who’s on the panel—digital forensics, legal eagles, PR fixers?
6. What’s your exposure to regulators—by sector, by state? Got a map to the rules?
7. Where can you find official definitions and checklists? (Start with the Federal Trade Commission, NAIC, and CISA.)
8. Are you ready for October’s cyber awareness campaign? Credit CISA/NCA and use their toolkits.
9. What’s your plan if the Feds come knocking? Know your FTC and CISA resources.
10. Are you keeping it clean—no policy advice, just facts? Remember: carriers, jurisdictions, and laws differ.
