March 2025

Cyber insurance used to be optional. Now, it’s just a cost of doing business. But there’s a catch: most small businesses either don’t have cyber coverage at all, or they think they do—when in reality, their policy isn’t going to help them much in the event of a breach. This post is here to help […]

If you’re a small business owner in Upstate New York, you probably don’t think federal regulations from the Federal Trade Commission apply to you—especially not ones that sound like they’re meant for banks or Wall Street firms. But the FTC’s Safeguards Rule, updated in recent years, does exactly that. It quietly expanded who counts as

When small business owners think about cybersecurity, many assume they can just purchase an antivirus product like Norton or McAfee and call it a day. But the truth is, that approach barely scratches the surface. Cybersecurity isn’t just a product—it’s an ongoing process that requires expertise, management, and constant adaptation. 1. Why Antivirus Alone Isn’t

If you’re running a small independent insurance agency, you might have heard about NYDFS 500 exemptions and thought, “Great, we don’t have to worry about compliance!” But just because you don’t legally have to meet every requirement doesn’t mean you’re in the clear. A lot of small agencies assume they’re too small to be a