Are you hacker-proof? You might have the strongest passwords, have double-authentication enabled, and set all your social accounts to private, but sometimes that’s still not enough.
No one is guaranteed protection from cyber-attacks. Extortion, identity theft, financial fraud and even cyberbullying are common crimes people face in the digital space. With so much of your life happening online, it’s a total necessity to keep it protected with the right insurance coverage, just as you do your home, car, and health.
The game of life has totally changed. Your digital assets and identity deserve and need to be protected. And cyber insurance is the MUST HAVE coverage for you and your family. Here’s why.
Cybercrime is increasing– and criminals aren’t just attacking businesses. Everyday citizens and families are targets, too.
Many people think they are safe online, but stats clearly tell a different story. Cybercriminals are savvy.
Online impersonation is a cybercrime heavy hitter. Many people think of online impersonation as someone making a fake social account to bully, catfish, or ruin someone’s reputation. But that’s only a small fraction of what really goes on.
Criminals are stealing identities to gain access to funds in clever ways. Some of the most common forms of cyber identity theft include applying for (and/or receiving) government benefits, opening new lines of credit, taking out loans and even committing tax fraud.
More than your finances are at stake, too. Hackers look for any sensitive information to use to extort someone and demand a ransom. Cybercriminals sometimes seek out photos, videos, health data, gaming assets or anything else you find valuable, important, or private.
Any information or data stored or shared online is at risk. Think beyond your cell phone, laptop, or tablet. Your gaming consoles, health devices and even your vehicle could be storing your information via an app or the cloud.
If you’re a parent, you have even more people to worry about. Your kid’s digital footprint probably began long before they ever got on the internet with your “sharenting.” That birth announcement, those first-year birthday cake smash pics or any cute TikTok you’ve uploaded were the start of your kid’s digital life. Cybercriminals are not only looking for adults to impersonate, steal from, or use for ransom—they’ll use your child’s data too, if the opportunity presents itself.
Children can have their identity stolen, have fraudulent lines of credit opened in their name, or have their baby photos used in a cyberbullying incident years later when they’re a tween.
If it’s on the internet, it’s there forever. Even if you’ve deleted files years ago and have no way to access them yourself, they still exist somewhere. Someone with tech skills and malicious intent could use them for their gain.
If you’re online, you’re vulnerable to attack. The best way to protect yourself and your family is by investing in cyber insurance protection.
So many awful things can happen to you online, and the consequences could hit you financially, emotionally, mentally, and even physically.
Take cyberbullying. It can create anxiety, depression and worse. Online bullying could lead to longer-term issues like lowered self-esteem and decreased confidence that can impact someone’s quality of life. A child who is bullied online may beg to change schools or move to a new town and may need mental health support.
A legit-looking email could pop into your inbox with someone claiming to be “support” from a payment app you use. Without thinking twice, you provide personal information that allows a hacker to rack up thousands in your name.
You’re unwinding from a long day’s work by gaming with your crew. Not really thinking, you install ransomware by clicking an in-game link. Oops! Your private files are now encrypted and being deleted one by one until you pay a ransom.
These are situations that can happen to virtually anyone. No one is on their A-game 24/7. When you’re busy online, it’s hard to scrutinize everything that crosses your screen.
Here’s the bottom line: if you do anything online—which of course you do, since you’re reading this article—then you need cyber protection insurance. Our cyber insurance coverage can help protect you while you work and play the online game of life to its fullest.
Scoop up your cyber protection insurance before you need it! So, when you do need it, it’s there. Get your free cyber insurance quote in minutes today.
The opinions and positions expressed are the authors’ own and not those of Chubb. The information and/or data provided herein is for informational purposes only and is not a substitute for professional advice. Insurance coverage is subject to the language of the policies as issued.