A look at the cyber liability insurance options out there for both business and personal protection, and how you can get coverage.

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The internet is a dangerous place to depend on when it comes to your business, finances, or livelihood in general. Yet in our hyper-connected world, we all rely on it more than we would like.

We give our data to companies and services. We pay bills and buy things online. We put our entire identities on the web, do our best to protect our identities and secure our data, and cross our fingers that the next massive data breach won’t affect our businesses or any of the services we’ve trusted with valued personal or financial information.

The thing is, security isn’t getting any easier. Our digital landscape is rife with phishing, all kinds of malware including ransomware, brute-force botnets perpetrating massive DDoS attacks, and plenty more nasty hacks and potential attack vectors. Cybercriminals are only getting smarter in 2018, and are already beginning to use artificial intelligence (AI) and machine learning (ML) to more effectively target businesses and individuals.

As the Equifax breach taught virtually every adult in the United States, sometimes your data can be compromised by a service you didn’t even know had your personally identifiable information (PII). The recently disclosed Meltdown and Spectre vulnerabilities serve as yet another reminder that your computers and smart…