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Apple has frequently said that Macs don’t get infected by viruses. This is true, but not because macOS is inherently better than Windows. While the operating system does have some protections that can make viruses less powerful, that doesn’t mean macOS is airtight. And while Macs are rarely targeted by viruses, it pays to be careful. Reputable malware scanning software or antivirus software is a good addition to any secure system.

Do Macs Needs Antivirus Software?

Macs aren’t immune to viruses, but they also aren’t typically targeted by attackers. The platform simply doesn’t have a large enough user base to make it worth the time for attackers to custom-build specific attack packages for the operation system’s unique features. The Unix-based macOS operating system is fundamentally different from Windows in a number of ways, meaning that any attacker hoping to infect Macs would need to create custom code tailored specifically to the operating system. Furthermore, macOS runs in a sandboxed environment, making it more difficult for errant programs to take control of your system.

Since Macs still represent only a sliver of market share, an enterprising hacker would get more bang for their buck by focusing on the most popular operating systems. Like spam and phishing attacks, virus distribution relies on the law of large numbers. Without a specific target, attackers will get the greatest benefit by distributing compatible malicious code to as many computers as possible. This increases the likelihood that they’ll encounter a vulnerable system, improving the odds that their attack will succeed.

Do Mac Viruses Exist?

This doesn’t mean attacks never happen, however. Back in 2014 a hacker was able to create a nearly 20,000-strong botnet with the iWorm malware. In 2012 the Flashback vulnerability in Java affected more than 500,000 Macs, prompting Apple to issue a security update to OS X Lion to patch the vulnerability. More recently, encryption malware known as KeRanger was distributed inside a popular BitTorrent client for macOS. And according to Malwarebytes, Mac malware in 2023 increased by 230% throughout 2024. Macs certainly can get viruses, and Mac-specific viruses and malware do exist. They’re just far less common than the Windows equivalent.

Are Macs Vulnerable to Other Attacks?

While Macs don’t require antivirus software, they’re still vulnerable to other attack vectors. This includes email-based phishing attacks or browser-based cross-site scripting or man-in-the-middle attacks. And potentially unwanted programs (PUPs) like Mac Defender are voluntarily installed by the user but include malicious features and can’t be easily removed. Mac users are not automatically immune from the threats of the Internet, and users still must practice safe browsing habits.

What Antivirus Software Should I Get?

For security-conscious users, there are several reliable options for macOS antivirus software. It’s not mandatory, but an ounce of prevention is worth a pound of cure.

Bitdefender: this antivirus software stands at the top of AV Test’s antivirus rankings, blocking 100% of threats in those tests. It also has little impact on your system, so you won’t see slowdowns while scanning or during real-time protection.

ClamAV:  Windows or Linux users might be familiar with this open-source, multi-platform suite for detecting viruses and malware. It’s long-lived, well-respected software, and it has a great Mac version.

Sophos Home: This free consumer version of the Sophos enterprise security software works in Windows and macOS. In addition to detecting viruses and malware, it also protects against web-based attacks in real time.

Malwarebytes: Another much-loved malware detection tool for Windows, Malwarebytes also offers a Mac version. It’s fast, with a focus on real-time protection rather than scheduled scans. It sports a great reputation for removing PUPs, but it won’t scan macOS for Windows viruses. This could potentially allow those viruses to be unknowingly distributed to Windows computers. (Optional: Get 25% off Malwarebytes Premium)

Avast: Avast’s free software detects viruses and malware. It also proactively protects against web-based threats like unsafe websites and email attachments. Unfortunately, it’s also known for imposing a heavy load on system resources to offer these real-time features.

Alexander Fox

Alexander Fox is a tech and science writer based in Philadelphia, PA with one cat, three Macs and more USB cables than he could ever use.

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When Do You Need A Certified Public Accountant?

While you can certainly take care of the day-to-day accounting yourself – especially if you have good accounting software – or hire a bookkeeper, there are instances when the expertise of a CPA can help you make sound business decisions, avoid costly mistakes and save you time.

What is a CPA?

CPAs are tax experts who can file your business’s taxes, answer important financial questions and potentially save your business money. While CPAs have accounting degrees, their certification differs from traditional accountants.

[Related Article: What’s the Difference Between Accountants and Bookkeepers?]

CPAs have passed the Uniform CPA Exam – a rigorous exam that tests one’s understanding of tax law and standard accounting practices – and obtained a state license, which includes ethical requirements. They must take professional education courses to maintain their license, and may lose it if they are convicted of fraud, negligence or ethics violations. Furthermore, CPAs have unlimited representation rights to negotiate with the IRS on your behalf.

Key Takeaway

A CPA is a specialized type of accountant with tax expertise who can represent you before the IRS.

CPA vs. accountant

An accountant is someone who has earned their bachelor’s degree in accounting or finance. A CPA has a bachelor’s degree, but has earned additional designations upon graduation.

To become certified, an accountant must have work experience, pass the Uniform CPA Exam, and meet all state licensing requirements. The exam covers their knowledge of business, accounting, tax and auditing. Additionally, CPAs are required to take continuing education courses throughout their careers to stay up to date on laws and regulations.

Because of this certification, a CPA has a fiduciary responsibility to their clients, while an accountant does not. This means CPAs are legally required to act in the best interest of their clients, whereas a standard accountant does not have a license to lose.

Key Takeaway

A CPA is also an accountant, but only about 50% of accountants are also licensed CPAs.  

What’s the average cost of hiring a CPA?

The short answer is that it depends largely on your business and the services you need. According to the U.S. Bureau of Labor Statistics, the median hourly wage for CPAs is $40. This may not, however, cover specific fees for certain services and consultations.

It’s important to have an idea of the kind of services you need before you meet with a prospective CPA. This way, you can have a clear discussion on how they are going to bill you.

By itemizing costs, you can gain a realistic idea of how the CPA could help your organization thrive. You’ll also be able to weigh the cost and benefits of outsourcing certain services that you may be able to complete through a software program or other means.

While it’s hard to pin down a concrete number for how much you can expect to pay a CPA, it is important to have a knowledge of typical fees and expenses. These are some typical expenses to review before you meet with a CPA:

Hourly rates

Administrative fees

Paperwork fees

Other fees and services

Key Takeaway

The national median wage for a CPA is $40 per hour. Before hiring a CPA, ask about their hourly rate and other potential fees that apply.

Key Takeaway

You should plan to meet with a CPA before you start your business, at tax time, when you have complex financial decisions to make, or when you plan to make major changes to the ownership of the business.

What to consider when hiring a CPA

Hiring a qualified CPA can be a lifesaver come tax season, but as you can see, a CPA can help you at every stage of your business. If you’re searching for the right person, here are a few things to keep in mind.

1. Look for a CPA who’s familiar with your industry.

It’s important to find a CPA who’s familiar with your industry and the needs of businesses like yours. For instance, if you run an e-commerce business, then your accountant should have experience with serving online companies.

2. Ask for referrals from other business owners.

If you’re friendly with other business owners in your area, ask them for recommendations. The best place to start is a local networking group. If you don’t have anyone to ask for a referral, you can search the American Institute of CPAs.

3. Make sure they’re registered in your state.

Before you hire anyone, use the CPA Verify tool to check that individual’s certification status to ensure they are up to date with their requirements.

4. Check their reputation.

Lastly, when considering a CPA, check their online reviews or their Better Business Bureau accreditation. By doing your due diligence, you will have the best chance of hiring a highly qualified CPA.

Lori Fairbanks and Matt D’Angelo contributed to the writing and research in this article.

Do We Still Need To Save The Bees?

Around 15 years ago, a slogan began to appear on bumper stickers, license plate holders, and tote bags: Save the bees. The sense that these pollinators—and the food system they support—were in critical condition was all-pervasive. In 2014, an online poll in the UK found that respondents ranked the decline of bees as a more serious environmental threat than climate change.

But do we still need to save the bees?

The answer is complicated: The public began worrying about bees at a time when western honeybees were dying in alarming numbers from a mysterious syndrome, colony collapse disorder. Now, their populations are much more stable. However, wild bees, which play an entirely different role in our food system and environment, are still in trouble. 

Colony collapse

The recent intense focus on honeybee health began after the fall of 2006, when beekeepers from Pennsylvania began to notice that their hives were dying off over winter. “Those were colonies that had, a couple weeks earlier, looked healthy, full of strong bees,” says Nathalie Steinhauer, science coordinator of the Bee Informed Partnership, a national nonprofit that monitors honeybee populations. “And they came back and the apiary was basically just full of empty hives.” What made the event especially mysterious was that there was no discernible cause. There were no dead bees around to suggest starvation, nor traces of parasitic mites. The bees had simply vanished.

Over the winter, other beekeepers experienced the same die-offs, losing anywhere from a third to more than half of their hives. “It really acted like an epidemic,” says Steinhauer. Affected hives showed no obvious signs of stress, and scavengers strangely avoided the abandoned honey. The cluster of symptoms came to be known as colony collapse disorder, or CCD. The disorder was alarming enough that it led to a wave of research on honeybee health, including the monitoring now led by the Bee Informed Partnership.

But the last verified case of CCD occurred in 2008. Entomologists still don’t know exactly what caused this bee epidemic, but the most likely explanation is that exposure to pesticides, fungicides, and parasites made hives more vulnerable to some kind of pathogen—like a virus. “[The disorder] appears to have existed,” says Geoff Williams, president of the Bee Informed Partnership, and a bee pathologist at Auburn University. “But it just for whatever reason didn’t persist.”

Die-offs, but stability

So why is there a lingering sense that bees are still in trouble? Well, says Williams, honeybee mortality is still high—but not because of colony collapse. The term has been misapplied in the years since. CCD was a galvanizing force for bee conservation within the industry, and quickly captured public attention. Both beekeepers and the media have used the term to describe unrelated die-offs.

Bee hives can naturally collapse during the stress of winter. Entomologists don’t know what the baseline rate of collapse looked like before the 2006 CCD outbreak, because national counts only began in 2007. But over the last 15 years of data, there are no obvious trends. “On average, winter loss hovers around 30 percent,” Steinhauer says.

“Some years are worse, some are slightly better,” she says. “Overall, it’s higher than what beekeepers tell us is acceptable.”

Williams says it’s likely that honeybee losses each winter did increase over the last 20 or 30 years, before baseline data was gathered.

In the late 1980s, a parasitic mite called Varroa destructor arrived in the US. As it spread, Varroa put extra strain on hives—Williams says it’s hard to get exact numbers, but that old-time beekeepers say that they remember times when losses were about three times lower, around 10 or 15 percent. The damage from mites are compounded by the continuing spread of monocrop agriculture. Soybean farmers have taken over regions of the northern prairie, where honeybees often summer—which has reduced the variety of the bee’s diet, likely making them more vulnerable to illness. And the proliferation of neonicotinoid pesticides, which are particularly toxic to bees, adds even more stress.

[Related: Want to help the bees? Keep these out of your garden.]

Despite of winter losses, overall honeybee populations in the US have remained stable over the last 15 years, and have even grown globally. 

The key to understanding how populations can be stable through losses is to recognize that honeybees are a domestic species. They’re more like cattle than butterflies. Every year, American farmers spend hundreds of millions of dollars to rent honeybee hives to pollinate almonds, blueberries, cherries, and more. To get there, the hives travel across the country on the back of semi-trucks, usually following the growing season from Florida to California.

Losing hives can devastate a beekeeper (“picture 30 or 40 percent of cows or chicken dying every winter,” Williams says) but they can be regenerated.

Honeybee hives reproduce by fission, a lot like the way a cell divides. In the spring, a healthy queen can fly away with half of the workers to form a new hive, leaving queen-eggs behind to pick up the baton in the original colony. A beekeeper can start this process manually, but it takes time, cutting into the bottom line.

So the pressures on honeybees have real stakes for the livelihoods of beekeepers, and possibly the food system more broadly. In theory, a bad year could knock out enough honeybees to screw up fruit harvests across the country. But honeybees aren’t at risk of dying off and leaving entire ecosystems without pollination.

Wild bees

Western honeybees are just one of hundreds of bee species in North America. Threats to domestic honeybees also hit wild bees, which don’t have farmers nursing them back to health.

And this is where the slogan “save the bees” becomes confusing. While honeybee populations are currently stable, wild bees and other pollinators, including flies and moths, are in immediate trouble. The loss of these pollinators have ramifications for both agriculture and ecosystems.

Of the 46 species of bumblebees in North America, more than a quarter are in decline or threatened, says Jess Tyler, who works on pollinator conservation and science with the Center for Biological Diversity. “If bumblebees are representative of bees at large, that could be hundreds that are in decline, potentially,” he says. The data on wild bees is fairly sparse in comparison to honeybees, but plenty of once-common species, like the rusty-patched bumblebee, have been reduced to tiny remnant populations.

Both wild bees and domestic honeybees are critical in our food supply—one study estimated that wild pollinators provide roughly the same crop value as domestic honeybees. Honeybees aren’t especially efficient pollinators, especially for North American crops like tomato and sunflower. They’re used because they’re portable, easy to breed, and convenient for farmers who need pollination on a schedule. (Over the last 50 years, apiarists have tried to get the best of both worlds by domesticating new species, like the eastern bumblebee and the solitary blue orchard mason bee.) The benefits of wild bees go beyond agriculture: They also pollinate native plants, creating the backbone for diverse, non-agricultural landscapes. 

Wild and domestic bees require different kinds of support. And wild bees might need to be protected from domestic honeybees. Honeybee hives, for instance, can drive other bee species off of flowers after they’re done pollinating a crop. Even when they don’t compete, they can pass along diseases. “Honeybees are very messy,” says Tyler. “They’ll poop on flowers, and if another bee visits the same flower it can pick up a virus.” 

[Related: City gardens are abuzz with imperiled native bees.]

“Honeybees are livestock,” says Tyler. “They’re cared for by humans. Their health is the result of what humans do to them.” And when industrial farms bring in high densities of honeybees, it might be inevitable that they will get sick.

Steinhauer thinks that while this framing is useful for understanding the problem, it shouldn’t be used to dismiss the struggles of working beekeepers. “In a lot of entomology departments, we are trying to improve industrial agriculture,” she says. Her work with Bee Informed Partnership pushes to reduce pesticides or improve farm diversity to improve the health of bees even within industrial farm contexts. “That’s going to be helping beekeepers next year.” She also points out that non-agricultural forces, like suburban construction and lawn chemicals, put pressure on both wild and domestic species.

If the critique from the Journal of Insect Science is right, more diverse, less chemical-drenched farms would make for healthier honeybees. Farms just might not need as many of them, because they’d also have wild pollinators.

Is your head constantly spinning with outlandish, mind-burning questions? If you’ve ever wondered what the universe is made of, what would happen if you fell into a black hole, or even why not everyone can touch their toes, then you should be sure to listen and subscribe to Ask Us Anything, a podcast from the editors of Popular Science. Ask Us Anything hits Apple, Anchor, Spotify, and everywhere else you listen to podcasts every Tuesday and Thursday. Each episode takes a deep dive into a single query we know you’ll want to stick around for.

What Is Kali Linux And Do You Need It?

If you have heard a young would-be hacker talking about penetration testing, chances are, you would inevitably hear what Kali Linux is. It is a Debian-based Linux distribution that aims to be a complete toolkit for security professionals.

Kali Linux includes a lot of penetration testing and security auditing tools by default. In that regard, Kali delivers, too. Many of the best open-source tools for conducting security tests are in here and ready to use.

Why Use Kali Linux?

One of the biggest selling points of Kali Linux is that it is a convenient all-in-one solution. For the most part, Kali doesn’t require you to maintain a Linux machine and collect your own software. All of the set-up work is out of the way, and you can fully focus on testing the system you’ve set out to audit.

Aside from that, Kali is also being developed and maintained by Offensive Security. They’re a well-known and trusted institution in cybersecurity. You can be confident that the tools that Kali Linux provides are both trustworthy and highly effective.

Kali Linux has many security tools. It has classic information-gathering tools, like NMap, Wireshark and dig.

Kali also has WiFi-centered tools like Aircrack-ng, Kismet, and Pixie.

For attacking passwords, there are tools like Hydra, Crunch, Hashcat, and John the Ripper.

Then there are more complete suites of tools. For example, you can use the Metasploit Framework and Burp Suite out of the box.

That’s only a small percentage of the security tools available in Kali. It would take a long time to go through all of them, but you can clearly see that many of the more popular tools are represented.

Installing Kali Linux

Kali is a Linux distribution. Like any other, you can install it permanently on a hard drive or virtual machine. That works fine, but you don’t want to use Kali as a daily driver operating system. It’s purposely built for penetration testing, and that’s about all that you should use it for.

Note: you can also install Kali Linux on your Android phone.

Kali’s System Requirements

Before you can install Kali Linux, have the following resources available:

Ample amount of disk space in your machine. In most cases, Kali should work well on a 32 GB flash disk.

64-bit processor and 2 to 4 GB of onboard memory, as Kali Linux uses a number of resource-intensive programs in its toolkit.

Your machine needs to have the ability to either do virtualization or external media booting.

It is important to note that Kali works best as a live distribution. You can either burn it to a USB driver or run it off of a virtual machine. You don’t need to install anything on Kali or save any files, so spinning it up on the occasion where you need to test a system is great. It also affords the flexibility to get a Kali machine running anywhere on whichever network you’re looking to test.

This article focuses on installing Kali Linux on VirtualBox as a live system in Ubuntu 22.04 LTS.

Installing Kali Linux on VirtualBox

To install Kali Linux, obtain the virtualization client you want to use. In this case, I am installing VirtualBox:

sudo

apt

install

virtualbox p7zip

Obtain a copy of Kali Linux from its official website. For example, you can run the following command to download it from the terminal:

p7zip

-d

.

/

kali-linux-

2024.3

-virtualbox-amd64.7z

Install Kali Linux as a virtual machine by pressing Win, then typing “virtualbox.”

Using Kali Linux

A small window will open and immediately boot the virtual machine in your system.

Kali will load to a simple login screen. By default, the username and password for the system should be “kali.”

Tips: learn how you can access an Android phone using Kali Linux.

Finding and Running Tools in Kali

Once you are logged in, use the tools available in Kali to conduct security auditing. For example, press the Kali logo on the desktop’s upper-left corner to get an organized list of programs in the system.

Run nmap -h to print a brief overview of the available options and flags for the program. Knowing that, run the following command to scan the entire subnet for any online clients:

nmap

-sP

192.168.68.0

/

24

Lastly, Kali Linux also provides powerful data processing tools, such as Hashcat, that you can use to crack hashes. For example, you can run hashcat -h to look at some of the program’s options.

Aside from that, you can also run the following command to test whether your machine can run Hashcat on a reasonable speed:

hashcat

-b

Is Kali Linux For You?

Kali is not for everyone. It’s not a regular Linux distribution to run on your laptop to think you’re cool for running a “hacker OS.” If you do so, you’re running a potentially insecure system. Kali is designed to run as root. It’s not secured and configured like a regular Linux distribution. It’s an offensive tool, not a defensive one.

Kali isn’t a joke, either. You can do some real damage with the tools that it comes bundled with and can get you into real trouble. It’s all too easy for an uneducated user to do something seriously illegal and find themselves in a situation no one wants to be in.

With all that having been said, Kali is a great tool for professional use. If you’re a network admin and want to conduct real-world tests on your network, Kali might be just what you need. Kali also has some excellent tools for developers (especially web devs) to audit their applications before they go live.

Of course, if you want to learn more about security the right way, you can certainly use Kali in a virtual environment to teach yourself or follow any number of great courses.

Frequently Asked Questions Is it safe to browse the internet using Kali Linux?

While you can use the Internet in Kali, the developers of the distribution did not design the system for casual Web browsing, so there are many missing multimedia tools and codecs in the default install, and some websites may not function properly when viewed in Kali Linux.

Is it possible to install third-party programs in Kali?

Similar to a regular Debian installation, you can install any third-party application through the apt program.

Aside from that, you can also use both snap and flatpak packages in Kali.

Image credit: Unsplash. All alterations and screenshots by Ramces Red.

Ramces Red

Ramces is a technology writer that lived with computers all his life. A prolific reader and a student of Anthropology, he is an eccentric character that writes articles about Linux and anything *nix.

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Career Insights: Everything You Need To Know About Software Engineers

Roles and responsibilities: A software engineer is a person who documents the process through the use of diagrams and flowcharts, developing computer instructions through the use of algorithms. Given the breadth of the role, a Software engineer must have a thorough understanding of computer systems, to recognize any hardware limitations that could impact software design. 

Improving system quality by identifying issues and common patterns, and developing standard operating procedures, enhancing applications by identifying opportunities for improvement, making recommendations, and designing and implementing systems are other key responsibilities.

Average salary (per annum): US$104,402 

Qualifications: 

A degree in Software Engineering, Computer Science, Mathematics, or related fields is essential.

Some companies may require expertise in particular high-level programming languages such as C++, Java, or Scala.

Minimum of a master’s degree in computer science, data science, or an AI-related discipline.

Advanced knowledge of several programming languages, with some roles calling for fluency in certain languages, such as Python.

An analytical mind with problem-solving abilities.

Top 3 Online Courses:

Great learning course offered by IIT Madras: Advanced Certification in Software Engineering for Cloud, Blockchain & IoT. It is a 10months course. Online learning format for working professionals who want to learn software skills without quitting their job. Hands-on learning, become future-ready by applying what you learn and building real-life projects. 

Java Programming and Software Engineering Fundamentals Specialization: One of the most in-demand programming languages and the foundation of the Android operating system. Designed for beginners, this Specialization will teach you core programming concepts and equip you to write programs to solve complex problems. In addition, you will gain the foundational skills a software engineer needs to solve real-world problems, from designing algorithms to testing and debugging your programs.

Top Software Engineering Courses (Udemy): Udemy is another great platform that provides a variety of amazing Software Engineering courses online. These courses are created and reviewed by some of the best instructors of Udemy who have years of experience in the software industry. Taking these courses will help you learn all the significant concepts of Software Engineering, such as programming languages, algorithms, system administration, project management, etc. 

Top Institutes Offering the Programs:

B.Tech in Software Engineering: The University of Texas at Austin

B.Tech and chúng tôi in Software Engineering: Michigan State University in East Lansing, MI

M.Tech in Software Engineering

Top Recruiters for This Job:

Amazon: Headquartered in Seattle, Washington, Amazon is a Fortune 500 company and the world’s largest online retailer. Through its online marketplace, Amazon sells books, e-books, music, movies, furniture, household items, apparel, electronics, and much more.

Recent remote software engineer jobs include Software Development Manager, Software Development Engineer, Front End Developer. 

CrowdStrike: Founded in 2011, CrowdStrike is a worldwide provider of cloud-delivered security technology, threat intelligence, and next-generation endpoint protection. CrowdStrike serves some of the world’s largest financial institutions, healthcare providers, and energy companies.

Recent remote software engineer jobs include Senior Software Engineer, Software Engineer – SecOps, Senior Software Development Engineer in Test

CyberCoders: CyberCoders is a recruiting company and a division of the leading global staffing solutions firm ASGN. CyberCoders provides recruiting and staffing services for the accounting, engineering, executive, finance, legal, marketing, operational, sales, scientific, and technology industries.

Recent remote software engineer jobs include Principal Engineer – chúng tôi SAP Hybris Developer, Lead Unity Engineer

Elastic: A search company, Elastic builds self-managed and Software-as-a-Service solutions to enable real-time, scalable data use for analytics, logging, searching, and security purposes.

Recent remote software engineer jobs include cloud – Principal Software Engineer, application Search – Principal Software Engineer, Security Solutions – Senior Software Engineer

GitHub: GitHub is an open-source code-hosting website, publishing service, and social networking site for programmers. GitHub services include code review, quality documentation, community management, code hosting, and project management. Since launching in 2007, the company has hosted more than 66 million projects.

What Is Cyber Insurance And Why Do You Need One?

What Is Cyber Insurance And Why Do You Need One?

In this post, we’re going to discuss what is cyber insurance and why do you need one!

What is Cyber Insurance?

Like health insurance gives your protection against the heavy medical treatment, bills and other expenses, the same way cyber insurance covers insured charges and financial damages from data breaches which are affected by cybercriminals attacks, ransomware, virus and other threats. Cyber insurance also comes handy when you have to file a lawsuit on a third party in case of data breaches. Users can use cyber insurance to file the lawsuit against the firm that fails to provide protection for the confidential and sensitive data.

Things That Are Covered by Cyber Insurance

Particular and individual policies may differ from one another that has been signed depending upon your interest, but the major cyber insurance can cover the following things:

Losses and damages from business interruption:

In case your selected organization is wound up or locked, then you can claim your cyber insurance to pay off your regular expenses and other unavoidable charges for the time being.

Loss of Data: Ransom demands & charges associated with extortion:

When your computer is infected by ransomware and cybercriminals demand a ransom to provide you access of your data or for instance, cybercriminal demand you extort money from your business in exchange of your vital data then you can opt for cyber insurance. It can cover the good number of ransom value and help the victims to get it through from the downtime.

When You Need Cyber Insurance?

To find out when you need cyber insurance then read the following mentioned points.

Advertises firm services/products via social media or websites.

Electronically transferred documents.

Keeping the sensitive and confidential business data and information such as secrets related to trade, usernames & passwords, tax documents, on your device network.

Text messages, email and social media communications with third party and clients.

When you keep third-party on your device network which contains confidential and private data like income documents, credit & debit card info, social security no, tax information, etc.

Also Read: 3 Reasons Why Cyber Criminals Love Social Networking Sites

What Is the Difference Between Cyber Insurance and Business Insurance?

Some of the people whose are running their businesses must be relying on business insurance and must be confused between cyber insurance and business insurance. The major difference in cyber insurance is that it offers the covers with damages and risks that caused by data breach which business insurance doesn’t offer. Moreover, the business insurance policies contain a certain electronic data exclusion. The electronically shared data doesn’t fall in the property damage category under a commercial policy.

Things to Keep in Mind While Sign in For Cyber Insurance

As cyber insurance has its own kind of terms, conditions and policy exclusions, terms, and conditions. So, there are certain things that you need to keep in mind while signing in for cyber insurance.

Know about your deductibles or coverage limits

Have the complete knowledge of specific risks that are covered by your insurance.

Beware of the risks and damages that are not considered under your cyber insurance.

You should know if the insurer detects security risks and offer other options to reduce or remove the risks

You need to know about all security controls your business can adopt which could reduce the premium

You should whether the insurer need your company to undertake a security risk review

The Bottom Line:

As cybercriminals keep looking for an easy target and these attacks are growing in numbers with each passing day so looking forward to cyber insurance is a great way to be ready in case any uncertainty hit your or your business. With cyber insurance, you can not only prevent your vulnerability but also get helping hand to face losses and damages of a data breach.

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