WHAT'S AHEAD FOR CYBER CLAIMS? In this episode, David identifies three trends to watch in the world of cyber claims in the coming year, touching upon regulatory actions, dependent business interruption, and the thorny issue of when insurers allege misrepresentations in the renewal application as a basis for denying coverage.

HUNG UP ON REGULATION! The announcement last week that the FCC had entered into a $31.5M settlement with one of the nation's leading telecommunications companies, split equally between penalties and compliance measures, underscores the increasing role of federal agencies in regulating cybersecurity. In this episode, David discusses the types of controls that both regulators and underwriters expect to see, and details the policy wording that can help maximize your chances of recovering the cost of fines and penalties for a regulatory proceeding.

ROOKIE ERROR! As the luminaries of the Cyber Insurance world gather this week in Philadelphia to discuss securing our nation from cyberattacks, a recent article in Forbes magazine reveals that an astonishing number of users are overlooking a basic security control. In this episode, David explains why freelancers and small businesses without an IT department should attend to this vulnerability ASAP!

A LEGAL EAGLE'S EYE FOR AI. In this episode, I sit down with Vince Vitkowsky of Vitkowsky Law to discuss the publication of his recent paper on AI Risks, Litigation, and Insurance Claims.

DO YOUR DILIGENCE! Net Diligence recently released its annual Cyber claims study. In this episode, David explains why this report should serve as a wake up call to small businesses -- plus, he makes a special offer to listeners (hint: it involves free coffee!)

OOH, BARRACUDA! A recent decision by a Federal judge granting summary judgment in favor of a cybersecurity company underscores the importance of marrying up your contract wording with your rights and responsibilities under your Cyber insurance policy. In this episode, David explores the topic of subrogation, a crucial policy provision that is often overlooked and misunderstood by policyholders.

TAKING A BITE OUT OF CYBER CRIME! In this episode, David sits down with C.J. Dietzman to discuss ways that businesses can reduce the likelihood of falling victim to wire fraud, social engineering and other forms of cyber crime. David also provides an overview of the coverage available for these losses.

A LITTLE PRIVACY, PLEASE! A federal appeals court has reversed a lower court's dismissal of a proposed class action lawsuit against Google, arising from its collection of user data on its Chrome browser. In this episode, David discusses the importance of having a data privacy policy that is clear and easy for users to understand, and also explains what terms to look for in your Cyber insurance coverage around such claims.

THE GOLDILOCKS MARKET FOR CYBER INSURANCE! As reported by Zywave, a recent survey by the Council of Insurance Agents and Brokers indicates that Cyber Insurance premiums actually decreased for the first time since 2018. In this episode, David discusses why differentiation of your business as a better risk is still important, and why now is the time to revisit enhancements to your policy wording.

ELECTION CAM-PAIN! The revelation this past week that a foreign actor apparently hacked into the systems of one of the major Presidential candidates underscores the vulnerability of our political system to a cyberattack. In this episode, David discusses one way for political organizations and other non-profits to assess, quantify and manage cyber risk.