Michael Urbanik

It can happen to me. So that's the type of stuff. Unfortunately, lessons learned the hard way is why people have been adopting this or taking advantage. Because up to this point, I think a lot of people think it's like, oh, that happens in movies or that happens to big companies. No, the dollars are there on the table. The bad guys know this.

It can happen to me. So that's the type of stuff. Unfortunately, lessons learned the hard way is why people have been adopting this or taking advantage. Because up to this point, I think a lot of people think it's like, oh, that happens in movies or that happens to big companies. No, the dollars are there on the table. The bad guys know this.

They're moving down industry to smaller businesses because they haven't put the tools and resources in place to protect themselves yet.

They're moving down industry to smaller businesses because they haven't put the tools and resources in place to protect themselves yet.

Yeah, exactly. And hey, it might be not that retirement job that they pull, but it might get them over and pay $10,000. That sucks to lose. But if they're putting that into their pocket in, let's say, North Korea or another country, that gets them a lot of money. Those dollars go much further. So there's a lot to unpack there. But that, to me, anecdotally, it's happening. It's real. Take the

Yeah, exactly. And hey, it might be not that retirement job that they pull, but it might get them over and pay $10,000. That sucks to lose. But if they're putting that into their pocket in, let's say, North Korea or another country, that gets them a lot of money. Those dollars go much further. So there's a lot to unpack there. But that, to me, anecdotally, it's happening. It's real. Take the

Take my word for it. We file claims every year for businesses that say, hey, this happened. And I get to say, yes, this is what we do next. You have a policy or no. We talked about this and you opted not to do anything. You got to figure this out on my own. And I'd much rather have that first conversation than the second one.

Take my word for it. We file claims every year for businesses that say, hey, this happened. And I get to say, yes, this is what we do next. You have a policy or no. We talked about this and you opted not to do anything. You got to figure this out on my own. And I'd much rather have that first conversation than the second one.

Yeah, I'll give two. One is, you know, the things we talked about can be addressed. You know, you have to own the risk as a business owner. You have to manage it and control it. You can't just pass the buck. But it is achievable. There are carriers, there are tools available to you to help ensure this and protect yourself at a reasonable cost. And then I'll go back to my second point.

Yeah, I'll give two. One is, you know, the things we talked about can be addressed. You know, you have to own the risk as a business owner. You have to manage it and control it. You can't just pass the buck. But it is achievable. There are carriers, there are tools available to you to help ensure this and protect yourself at a reasonable cost. And then I'll go back to my second point.

Number one prevalent type of attack in the digital space right now, it's gone back up phishing attacks. It is the human element that they are targeting, getting you to respond to a fake email, getting your employee to send something they shouldn't. Turn on multi-factor authentication. These things are free. They're easy to do if you have a Google Gmail. But that is the number one.

Number one prevalent type of attack in the digital space right now, it's gone back up phishing attacks. It is the human element that they are targeting, getting you to respond to a fake email, getting your employee to send something they shouldn't. Turn on multi-factor authentication. These things are free. They're easy to do if you have a Google Gmail. But that is the number one.

They're still attacking the human. So you got to traverse this digital space with good air of caution about you. Okay.

They're still attacking the human. So you got to traverse this digital space with good air of caution about you. Okay.