Gary Loten-Beckford

Cyber insurance helps businesses recover from data breaches and cyberattacks by covering computer-related risks usually outside general liability or commercial property policies.
First-party coverage can help notify affected customers, restore damaged data, repair systems, provide monitoring, and support reputation recovery after breaches or cyberattacks.
Third-party coverage focuses on defense, settlements, legal expenses, and possible regulatory penalties when compromised customer data leads to claims against a business.
Businesses handling sensitive information, including health records, credit card numbers, or government identification numbers, may benefit most from dedicated cyber coverage today.
Cyber insurance generally remains optional, but contracts can require tech E&O coverage for businesses that design, make, install, or service technology systems.

Cyber Insurance Basics for Businesses

Public debate has intensified as a federal health law faces pressure, premiums climb, and physicians report more limits from insurance companies.
A recent poll places support in the low-to-high 60% range for government responsibility to ensure health coverage for all Americans.
The US spends heavily per person on health care, yet Americans are described as less healthy and shorter-lived than peers.
The argument centers on American strengths: transparency, public oversight, and decentralized authority could help expose inefficiencies and support system improvements.
A universal system could simplify payments, reduce administrative layers, and let doctors spend more time with patients instead of insurance negotiations.
Broader access is framed as prevention-focused: earlier care can reduce untreated illness, costly emergencies, and barriers to work and opportunity.