Michael Urbanik

And the way technology works is it just becomes more easy and more accessible every year. So that's why we see we've seen a monumental shift in number of cyber attacks. across all industries that the number only goes up every year because the barrier to entry to becoming a cyber criminal is very minimal.

And the way technology works is it just becomes more easy and more accessible every year. So that's why we see we've seen a monumental shift in number of cyber attacks. across all industries that the number only goes up every year because the barrier to entry to becoming a cyber criminal is very minimal.

Almost anyone can just go buy a laptop, a phone and start sending phishing emails, sending, you know, spoof voicemails, what have you. They get one critical piece of information. They can do something with it. Or then we talked about as basically crime as a service. They can solicit, you know, someone who knows what to do.

Almost anyone can just go buy a laptop, a phone and start sending phishing emails, sending, you know, spoof voicemails, what have you. They get one critical piece of information. They can do something with it. Or then we talked about as basically crime as a service. They can solicit, you know, someone who knows what to do.

sell that little password that they had, and then they might get 25% of all of the money that comes later. And then we can talk, who are these people doing these crimes? But it's sad to talk about because it's a growth of an industry that we all would not like to see grow. But that's the reality. And business owners just have to be very mindful.

sell that little password that they had, and then they might get 25% of all of the money that comes later. And then we can talk, who are these people doing these crimes? But it's sad to talk about because it's a growth of an industry that we all would not like to see grow. But that's the reality. And business owners just have to be very mindful.

And there are steps and measures you can take to preventing that.

And there are steps and measures you can take to preventing that.

Yeah, luckily there are solutions, right? And I'll say first, for a lot of things, for anything destructive act, an attack, damage to fall into this terrorism category and what we call like definitional terrorism by the courts, it's pretty rare. this is pretty rare. I'm going to stand up for my insurance carriers for a moment.

Yeah, luckily there are solutions, right? And I'll say first, for a lot of things, for anything destructive act, an attack, damage to fall into this terrorism category and what we call like definitional terrorism by the courts, it's pretty rare. this is pretty rare. I'm going to stand up for my insurance carriers for a moment.

I know a lot of people don't have a high view of them, but insurance carriers, they do want to pay claims. They don't want to get someone on a technicality and say like, oh no, this is technically this, we're not going to pay it. Carriers don't want to have a bad name in the industry, so they want to pay claims. So let's just talk about a couple things, or recap a couple things.

I know a lot of people don't have a high view of them, but insurance carriers, they do want to pay claims. They don't want to get someone on a technicality and say like, oh no, this is technically this, we're not going to pay it. Carriers don't want to have a bad name in the industry, so they want to pay claims. So let's just talk about a couple things, or recap a couple things.

So one might be like a physical damage attack on your property. They break into your property, they damage your cages, your property. That's going to fall under your general liability business owner's property policy. And what you can do on that policy as we talk about agro-terrorism is you can opt in for anywhere from like $0 to $200 a year for terrorism coverage.

So one might be like a physical damage attack on your property. They break into your property, they damage your cages, your property. That's going to fall under your general liability business owner's property policy. And what you can do on that policy as we talk about agro-terrorism is you can opt in for anywhere from like $0 to $200 a year for terrorism coverage.

So that's a very simple thing, you know, was set up by this terrorism act. If this is a concern to you, call your insurance agent and say, hey, look, do I have this optional endorsement that gives me back coverage for acts of terrorism? And that's going to fall into the property category. And, you know, they can say, you know, no, you don't have it.

So that's a very simple thing, you know, was set up by this terrorism act. If this is a concern to you, call your insurance agent and say, hey, look, do I have this optional endorsement that gives me back coverage for acts of terrorism? And that's going to fall into the property category. And, you know, they can say, you know, no, you don't have it.

And then you can say, OK, well, what's it going to cost to add it? And it's going to be a pretty nominal fee because of, you know, just how this act works. They want to make this very easy to afford and very easy to say yes to getting. And again, these these type of definitional terrorism attacks are pretty rare.

And then you can say, OK, well, what's it going to cost to add it? And it's going to be a pretty nominal fee because of, you know, just how this act works. They want to make this very easy to afford and very easy to say yes to getting. And again, these these type of definitional terrorism attacks are pretty rare.

So that's the first thing I would say is call your insurance agent, review your insurance policy, make sure it's adequate for your risks and, you know, ask about this terrorism coverage.

So that's the first thing I would say is call your insurance agent, review your insurance policy, make sure it's adequate for your risks and, you know, ask about this terrorism coverage.