Cyber Q&A. Ransomware attacks are increasingly targeting government entities that are perceived by hackers to lag behind commercial enterprises in terms of cybersecurity. (Photo: Shutterstock)

Operating in the world today without the internet is fairly impossible, as its reach extends to virtually all people, homes and businesses. Being connected also brings more unanticipated risks than ever before. Cyber risks like ransomware and email "phishing" are just a click away, and they're not going away anytime soon — meaning cyber claims aren't either.

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