Cyber Insurance - Are you covered?
Even before the pandemic, cyber insurers were tightening their underwriting guidelines and asking for more details to better understand the risk they were insuring. Whether it is details on backup procedures or questions on specific security controls in place, companies looking for cyber insurance in 2021 can expect a more rigorous underwriting process.

After the pandemic hit, entire workforces migrated from working in an office, where cyber security was more controlled, to working from home. This presented immediate challenges, as cyber criminals took advantage of new security and human vulnerabilities. Major challenges included bandwidth and unsecure connectivity, employee access issues and phishing, social engineering, and other “human” cyber risks.

Fortunately, cyber insurance was there each step of the way. Policies have responded due to broad coverage language for incidents both big and small—whether it involved network outages, data breaches, financial fraud, or ransomware.

But not all cyber insurance policies are created equal, and the pandemic has highlighted a few areas of concern. Insureds were advised to look at key definitions within their cyber policies, like “computer system” to ensure that employees working from home on a personal computer were covered.

Potential exclusions included voluntary shutdowns and personal network outages, such as when an employee lost internet access at their home or had a slower connection than what was available at the company office.

Learn more about how we can help cover you & your business.
Call Jessica in Stroudsburg, (570) 421-7447 or Ronnie in Lehighton, (610) 377-4382.

SPRING INTO SUMMER with our referral program.
Refer 3 new clients, new policies and earn yourself an entry for a drawing to receive a gift card from Pocono Farm Stand and Nursery, Tannersville.

Refer 5 new clients, new policies and earn yourself an entry for a drawing to receive a second gift card from Smuggler’s Cove, Tannersville.

Includes personal and business insurance. Start referring today by contacting Josephine A. Fontan,,
or call 570-421-7447.

Be sure to mention it as a Spring into Summer referred by Person Name.
FRM Group
1286 N Ninth Street, Stroudsburg , PA 18360 (570) 421-7447
445 Coal St, Lehighton, PA 18235 (610) 377-4382