The most common objection I hear to cyber coverage is some version of “we’re too small to be a target.” The data says otherwise: a large share of cyber attacks now hit small businesses, precisely because criminals know main street doesn’t have an IT department. If you take cards, keep customer records, use email, or pay invoices electronically — and that’s everyone — you carry cyber exposure.
Forget the movie version. Real small-business cyber losses are mundane and expensive: an employee clicks a link and ransomware locks your systems; a spoofed email convinces your bookkeeper to wire a vendor payment to a criminal; a stolen laptop exposes customer records and triggers notification requirements under state law. Each of those is a five- or six-figure event for a business with no coverage.
Carriers now require basics — multi-factor authentication, backups, employee awareness — before they’ll quote. Honestly, working through a cyber application is a free security audit: it shows you exactly where you’re soft. Premiums for main-street businesses are more reasonable than most owners expect, and far more reasonable than a ransomware event.
Questions about your coverage? I’ve spent more than 46 years helping Kansas City area businesses and families get insurance right. As an independent agent with access to over 50 markets, I work for you — not an insurance company. Call or text Jay Stoetzer at 816-384-7738, or email jay@insure247.com for a no-pressure review.