With so many employees and self-employed individuals working-at-home, have anyone ever looked at their homeowner insurance policy or if you rent, you rental insurance to see if you have "Cyber Protection Coverage"?  If  you handled personal information such as health information and personally identifiable information, you are obligated to protect such information. By having Cyber Insurance, you are protected for liability to others and reimburses you from expenses related to a data breach, which could include legal counsel and defense, a digital forensics team, notification costs, crisis communications and setting up a call center and credit monitoring for those affected by the data breach. Therefore, now is the time to review your homeowner or rental insurance policy. If not sure if your homeowner insurance has cyber coverage, call  your agent. If you policy does not provide "cyber protection", ask your agent if he/she offers Cyber Insurance. Now is the time...before someone hacks into your computer at home. 

 Joe A Davila, CPIA