---
title: When Cybersecurity Insurance Won’t Protect Your Business - Expedient Technology Solutions
description: With online cyber attacks on the rise, business owners are scrambling to protect their businesses in any way possible. The world of online scams is growing daily. Cybercrime, which includes everything from theft or embezzlement to data hacking and destruction, is up 600% as a result of the COVID-19 pandemic. Today, cyber insurance has become […]
---
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# When Cybersecurity Insurance Won’t Protect Your Business
[Home](https://www.expedienttechnology.com/) | [Our Blog](https://blog.expedienttechnology.com) | When Cybersecurity Insurance Won’t Protect Your Business
January 30, 2022
[blog](https://blog.expedienttechnology.com/tag/blog) [Cybersecurity](https://blog.expedienttechnology.com/tag/cybersecurity)
With online cyber attacks on the rise, business owners are scrambling to protect their businesses in any way possible. The world of online scams is growing daily.
[Cybercrime, which includes everything from theft or embezzlement to data hacking and destruction, is up 600% as a result of the COVID-19 pandemic.](https://www.embroker.com/blog/cyber-insurance-cost/)
Today, cyber insurance has become a must for businesses of all sizes. Like any other insurance coverage, cyber insurance will provide you with finances to help your business recover from a cyberattack.
Typically, cyber insurance covers lost revenue due to business interruption, ransomware attacks payments, attorney and court fees, settlements, court judgments, and regulatory fines for noncompliance.
Also like any other insurance, it comes at a cost but will be well worth it should you fall victim to a cybercrime.
Unfortunately, there are consequences of a cyberattack that insurance excludes and lasting effects that no amount of insurance can recover for your business. Many cyber insurance policies will not cover the following:
### **Property Damage**
Cybersecurity insurance focuses on monetary damages. This means it generally will not cover property damage that happens as a result of a cyberattack or data breach. Any damaged hardware will not be covered by a cybersecurity insurance policy.
### **Intellectual Property**
During a cyber incident, intellectual property losses and any lost income associated with it are commonly excluded from cybersecurity insurance coverage.
### **Self-inflicted Cyber Incidents**
Virtually no cybersecurity policy is going to cover a business that is charged with committing a crime related to or causing a cyber incident.
### **Protective Measures**
Any steps you take to prevent future cyberattacks will not be covered in a cybersecurity Insurance policy. Protective measures such as setting up a virtual private network (VPN) or training employees typically will need to be paid out of pocket. However, insurers are starting to recognize the benefit of these steps and so coverage will vary with individual providers.
If this has your company feeling vulnerable, it is time to upgrade your defenses.
You should be considering what you can be doing now, before attackers strike, to address vulnerabilities and protect your business assets.
Our accredited team has remained at the forefront of cybersecurity, following each innovation as they come and keeping up with the tactics used for cybercrimes.
We are well versed in the world of cybersecurity and [information technology in Dayton Ohio](https://expedienttechnology.com/services/). We have helped countless companies, like yours, raise their defenses against these attacks. Our model is personalized to your business needs. We’ll help you secure your network infrastructure through:
- Risk assessment and gap analysis
- Continuous risk assessments utilizing risk-based vulnerability management
- Policy review, development, and implementation
- Penetration testing and compliance services
- IT governance development, extension, and validation
- Guidance on compliance audit readiness
- Auditor selection (external firm performs testing, issues report, and opinion letter)
- Act as liaison between client and auditor
- 24×7 maintenance and monitoring for optimal network performance and compliance
- Disaster recovery and business continuity strategies and documentation
- Employee best practice and training solutions
- Two-factor authentication solutions
We know cyberattacks will continue to rise as our world continues to become more digitally connected and reliant on technology. Contact Expedient Technology Solutions today. Your business can’t afford to be unprepared.
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### Related Blog Posts
- #### [May 4, 2021 Establishing a Disaster Recovery Plan and Backup Solutions for Your Business](https://blog.expedienttechnology.com/establishing-a-disaster-recovery-plan-and-backup-solutions-for-your-business)
- #### [September 7, 2021 Risk-based Vs. Compliance Based Approach to Cybersecurity](https://blog.expedienttechnology.com/blog/cybersecurity/risk-based-vs-compliance-based-approach-to-cybersecurity-2)
- #### [July 19, 2021 Simple Ways You Can Boost Your Cybersecurity Today](https://blog.expedienttechnology.com/blog/cybersecurity/simple-ways-you-can-boost-your-cybersecurity-today-2)
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