{"id":34173,"date":"2025-11-05T09:11:48","date_gmt":"2025-11-05T15:11:48","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&#038;p=34173"},"modified":"2025-12-11T12:22:50","modified_gmt":"2025-12-11T18:22:50","slug":"cyber-the-risks-facing-sme-businesses","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/us\/insight\/cyber-the-risks-facing-sme-businesses\/","title":{"rendered":"Cyber &#8211; The Risks Facing SME Businesses"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image bg-brand-dark-blue bg-overlay\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2024\/06\/Manufacturing-Giant-Faces-Cyberattack-Brown-Brown-External.jpg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Property &amp; Casualty<\/p>\n    <h1 class='text-white    '>\n      Cyber - The Risks Facing SME Businesses\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-brand-blue    h2'>\n      Cyber - The Risks Facing SME Businesses\n    <\/h1>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]We want to make sure you are aware that cyberattacks are not slowing down, and every organization is a target regardless of size. Cyberattacks have become a profitable and low-risk pursuit for criminals.<\/p>\n<p><strong>The risk to small businesses is real and growing:<\/strong><\/p>\n<ul>\n<li>A cyberattack occurs every 39 seconds (\u200b<u><a href=\"https:\/\/crmri.crm.dynamics.com\/api\/EmailAnalytics\/OpenLink?TrackingId=c5a224a7-438e-f011-b4cc-7c1e521a39e4&amp;ConversationTrackingId=df04cdbb-50d6-43c8-8614-fcf246af276d&amp;ClientType=webclient&amp;OrganizationId=c848e0a4-b84d-4385-a787-14b0595f17a2&amp;Salt=ec44911c-72d4-41de-876f-66315846c008&amp;TenantId=f1289cc584564f288eab700d1300fc5d&amp;RedirectUrl=https%3a%2f%2feng.umd.edu%2fnews%2fstory%2fstudy-hackers-attack-every-39-seconds%23_msdynmkt_donottrack%3d0%2c_msdynmkt_linkid%3d96a1d701-0d0d-4e74-82f8-05f759bb233a&amp;ValidityToken=Lg%2b1OPdMwJG9F7yyHCDRYrOjJ4KbKLFtkX701VvzXV0%3d\" target=\"_blank\" rel=\"noopener\" data-auth=\"NotApplicable\">University of Maryland\u200b<\/a><\/u>)<\/li>\n<li>60% of small businesses go out of business within six months of a cyberattack (\u200b<u><a href=\"https:\/\/crmri.crm.dynamics.com\/api\/EmailAnalytics\/OpenLink?TrackingId=c5a224a7-438e-f011-b4cc-7c1e521a39e4&amp;ConversationTrackingId=df04cdbb-50d6-43c8-8614-fcf246af276d&amp;ClientType=webclient&amp;OrganizationId=c848e0a4-b84d-4385-a787-14b0595f17a2&amp;Salt=8bad81ec-44ab-48b1-95ab-bb037d53edeb&amp;TenantId=f1289cc584564f288eab700d1300fc5d&amp;RedirectUrl=https%3a%2f%2fwww.verizon.com%2fbusiness%2fresources%2farticles%2fsmall-business-cyber-security-and-data-breaches%2f%23_msdynmkt_donottrack%3d0%2c_msdynmkt_linkid%3dd4fd720f-3d0b-4d7b-9205-16407575a48c&amp;ValidityToken=c5o0Jo9x1oIQ7MVJqmSq%2fQuk0q8QuHqABcVaIFNgDFQ%3d\" target=\"_blank\" rel=\"noopener\" data-auth=\"NotApplicable\">Verizon<\/a><\/u>\u200b)<\/li>\n<li>68% of cyber incidents involve human error (\u200b<u><a href=\"https:\/\/crmri.crm.dynamics.com\/api\/EmailAnalytics\/OpenLink?TrackingId=c5a224a7-438e-f011-b4cc-7c1e521a39e4&amp;ConversationTrackingId=df04cdbb-50d6-43c8-8614-fcf246af276d&amp;ClientType=webclient&amp;OrganizationId=c848e0a4-b84d-4385-a787-14b0595f17a2&amp;Salt=870042d3-bfb9-4a68-8372-1f38febf0cc6&amp;TenantId=f1289cc584564f288eab700d1300fc5d&amp;RedirectUrl=https%3a%2f%2fwww.verizon.com%2fbusiness%2fresources%2farticles%2fsmall-business-cyber-security-and-data-breaches%2f%23_msdynmkt_donottrack%3d0%2c_msdynmkt_linkid%3dd077a1d2-60d2-4e62-8b25-b30c33090bbc&amp;ValidityToken=IYWvFpRYgzFqKVZSGdWqvzmiigrTTMmoCKXKLlkM1Z4%3d\" target=\"_blank\" rel=\"noopener\" data-auth=\"NotApplicable\">Verizon<\/a><\/u>\u200b)<\/li>\n<\/ul>\n<p style=\"background: white;\"><span style=\"font-family: 'Arial',sans-serif; color: #242424;\">Yet many businesses still lack the proactive safeguards and insurance.\u00a0<\/span><\/p>\n<p style=\"background: white;\"><span style=\"font-family: 'Arial',sans-serif; color: #242424;\">As your trusted advisor, Brown &amp; Brown will provide a non-binding cyber indication to help strengthen your protection. We will also include a risk assessment showing vulnerabilities visible to potential threat actors.<\/span><\/p>\n<p><strong>Here are the highlights of your cyber indication:\u00a0<\/strong><\/p>\n<ul>\n<li><strong>Clawback capabilities<\/strong>\u00a0for Funds Transfer Fraud\u2014aiming to recover the <em>entire<\/em>\u00a0stolen amount (especially if reported within 72 hours)<\/li>\n<li><strong>Pay-on-Behalf Language:<\/strong>\u00a0To avoid out-of-pocket costs and waiting for reimbursement.<\/li>\n<li><strong>Separate Limit for Breach Response: <\/strong>To preserve limits for other losses, like extortion and business interruption.<\/li>\n<li><strong>Comprehensive Coverage:<\/strong>\u00a0Includes difficult-to-find coverages like bodily injury, property damage and pollution.<\/li>\n<li><strong>Responsive Claims Support:<\/strong>\u00a0Expert coordinated guidance through every step.<\/li>\n<\/ul>\n<p>We truly care about your protection and as cyber threats grow, our priority is helping keep your organization safe.[\/vc_column_text][vc_video link=&#8221;https:\/\/vimeo.com\/1133180429\/9c91419a32?share=copy&amp;fl=sv&amp;fe=ci&#8221; css=&#8221;&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;1015&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_separator border_width=&#8221;2&#8243; el_width=&#8221;60&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6 style=\"text-align: center;\">Cyber Team<\/h6>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;]We want to make sure you are aware that cyberattacks are not slowing down, and every organization is a target regardless of size. Cyberattacks have become [&hellip;]<\/p>\n","protected":false},"author":66,"featured_media":9692,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[34],"class_list":["post-34173","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-property-casualty"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cyber - The Risks Facing SME Businesses - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/us\/insight\/cyber-the-risks-facing-sme-businesses\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cyber - The Risks Facing SME Businesses\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content&#8221;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;]We want to make sure you are aware that cyberattacks are not slowing down, and every organization is a target regardless of size. 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