Cybersecurity Insurance 101: Do you really know what's covered, what's not, and how to avoid being denied when a cyberattack hits?In this episode of The Business Owner's IT Podcast, hosts Anthony Gerasch and Ryan Carter sit down with Justin Reinmuth, President of techrug (Technology Risk Underwriting Group), to break down everything business owners need to understand about cybersecurity insurance, from policy pitfalls to ransomware coverage and how to keep your rates low.💡 What You'll Learn✅ The top 3 cyber claims hitting small businesses today.✅ How human error is still the #1 risk factor.✅ Why you should always report even minor incidents.✅ What to look for in a solid cyber insurance policy.✅ Why not all policies are created equal.✅ How MSPs and business owners can work together to minimize risk.Justin Reinmuth is the President of techrug.  Since 2004, he and his team have had the responsibility of managing risk and customizing over 22,000 policies for clients in areas such as Cyber Liability, Errors & Omissions Insurance, Directors and Officers Insurance, Employment Practices Liability Insurance, Fiduciary Liability Insurance, and Commercial Crime Insurance.Techrug (Technology Risk Underwriting Group) is a risk management and insurance firm that specializes in providing complete, customized insurance solutions to better protect your organization.  In 2024, techrug became a Coverholder in Lloyds of London.  Their TechMal (Technology Malpractice) Cyber Liability Errors & Omissions Insurance Policy + their CyberBreach Insurance Policy are in place with 3000+ clients around the US.  These one-of-a kind, 1st & 3rd party policies are only available through techrug via the creation of policy language granted to them by their syndicate.Feel free to reach out to hear from techrug about the main insuring agreements you need to secure when purchasing cyber insurance. Visit them online here 👉 https://www.techrug.com.Get social with Techrug online 👇Instagram: https://www.instagram.com/techrug_Facebook: https://www.facebook.com/profile.php?id=61577917427304TikTok: https://www.tiktok.com/@techrug_https://x.com/techrugLinkedIn: https://www.linkedin.com/company/techrug/Since 1997, Unique Computing Solutions has been providing businesses with the IT support and IT solutions they need to streamline communications, boost productivity, and increase profitability. Website: https://uniquecomputingsolutions.com/LinkedIn: https://www.linkedin.com/company/unique-computing-solutionsFacebook: https://www.facebook.com/UniqueComputingSolutionsYouTube: https://www.youtube.com/@uniquecomputingsolutionsTwitter: https://twitter.com/qputingInstagram: https://www.instagram.com/qputing/Twitter: https://twitter.com/qputingInstagram: https://www.instagram.com/qputing/TikTok: https://www.tiktok.com/@uniquecomputingsolutionsSpotify: https://open.spotify.com/show/3ysyf6NcGAXfM2Ai6T5wQdApple Podcasts: https://podcasts.apple.com/us/podcast/the-business-owners-it-podcast/id1768340957