Pandemics and other crises will be played out in the digital world. No business, no matter how small, will be overlooked by hackers. (Credit: DragonImages/Adobe Stock) Pandemics and other crises will be played out in the digital world. No business, no matter how small, will be overlooked by hackers. (Credit: DragonImages/Adobe Stock)

A delivery driver at a local pizza shop gets into an accident. Luckily because of the shop owner’s policies insuring the car, the employee, and any loss of business as a result of being unable to deliver pizzas, the pizzeria is protected.

But here’s a different scenario. The pizzeria owner clicked a suspicious link in an email on the business’ computer. Now they can’t log in to the point-of-sale system, and their customers’ credit card information is compromised. The shop owner didn’t consider getting cyber insurance when they were buying traditional coverage, so any costs required to regain access to the computer, alert customers to the breach, and work to restore the restaurant’s reputation has to come out of the owner’s pocket.

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