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Your small business relies on computers to store customer records, financial files and other confidential information that help you run daily operations. You also can't risk a data loss or breach that could disrupt—or even end—your business.

You can use a local backup resource to duplicate a hard drive or choose a cloud-based storage solution. Local backups can allow faster recovery, but they are vulnerable to fire, theft or water damage at your premises. Cloud solutions let teams sync, share and edit documents from almost any device. Research both approaches and decide which fits your needs and budget.

Acronis — Sync data and back up Windows or Linux servers and PCs. Acronis supports incremental backups and offers network storage and local disk backup. Data is encrypted during transfer and storage, and some subscriptions include maintenance and upgrades.

Backblaze — Manage multiple accounts from a centralized console. Backblaze lets businesses back up files from external drives and offers a physical recovery option (a flash drive shipment) when needed. Pricing is per computer, billed annually.

Box — Box provides large-scale cloud storage compatible with Mac, Windows and mobile systems and integrates with Microsoft Office 365. Business plans require a minimum number of users and have file-size limits; Box focuses on file sharing and collaboration rather than server backup.

CrashPlan — CrashPlan offers automatic, continuous backups with end-to-end encryption and unlimited storage for supported plans. It supports Mac, Windows, Linux and VMware and includes activity reports, multi-user management and immediate access to updates on paid plans.

IDrive — IDrive backs up local and networked devices and supports a range of servers, including Oracle, Exchange and Linux. It offers fast data retrieval, remote management, activity reports and large storage options with sub-accounts for growing teams.

For additional protection, keep a removable hard drive or network-attached storage (NAS) device as an offline backup and encrypt sensitive files before storing them. Regularly test your backups by performing restores so you know the process works and recovery times meet your needs.

If you keep physical backups offsite or ship drives between locations, consider insuring those assets; for example, look into Storage-in-Transit (SIT) insurance and services that support moving and storing equipment like Local Trucking With Storage.

Also consider cybersecurity liability insurance to reduce financial exposure after a data breach or loss. If you're unsure which backup strategy or coverage best fits your business, please talk to an agent for guidance tailored to your needs.

Frequently Asked Questions

How often should I back up my business data?

Back up as often as your business can tolerate data loss—daily is common, but mission-critical systems may need continuous or hourly backups.

Is cloud backup safer than local backup?

Cloud backups protect against on-site disasters and allow offsite access, but local backups can offer faster restores; many businesses use both for redundancy.

Should I encrypt my backups?

Yes—encrypting backups protects sensitive information during transfer and storage and helps meet customer privacy obligations.

How do I test if my backups are restorable?

Schedule periodic restore tests on sample files and, if possible, a full-system restore to confirm recovery procedures and timelines.

Getting new software for the office can be a trying process. Top-quality programs like Photoshop can be prohibitively expensive for a small business when you need to outfit the whole office, and the free stuff is a bit of a crap shoot.

We strongly recommend against pirating software. Individuals using unlicensed consumer tools may not face immediate consequences, but releasing professional work created with pirated software can trigger serious legal and financial trouble that will often cost far more than legitimate licensing fees.

Free and low-cost alternatives bring their own risks. Look at some people's browsers and you'll see a tiny viewable area filled with search bars, toolbars, and plugins — a common result when users accept bundled offers during installation without reviewing them carefully.

It is legal in many places for distributors to wrap open source installers with extra third-party offers, so always watch for opt-in/opt-out options in setup screens. You don't need malware to end up with unwanted programs; simply accepting the defaults during an automated install can add significant bloat.

If you can get free software directly from the official website or the project's official repository, that's the safest option. When an official site is gone, check reputable forums or archives and verify the file's authenticity before installing; if in doubt, avoid it.

Torrents for pirated software frequently carry viruses, adware, and other unwanted programs, which can end up costing you more in cleanup and lost productivity than the original software would have. Cleaning one laptop is manageable; cleaning every machine in an office and any distributed software is a much bigger problem.

If you share software or distribute software builds as part of your business, consider appropriate business coverage—see Software Vendor Insurance for more information on vendor-focused policies.

For consultants and independent developers who assemble client systems or create custom builds, protecting professional services and liability exposure is important—learn more at Software Consulting Insurance.

Be cautious with links on social media: don't click downloads from unverified or unfamiliar accounts. People frequently spread infected shareware and freeware on mainstream platforms, so treat unexpected download links with skepticism.

Do your research and get software as close to the official source as possible. Keep your antivirus and endpoint protection up to date, avoid random links and YouTube spam, and don't click the first download you see; when you need additional guidance, consider reaching out to an insurance professional and talk to an agent.

Frequently Asked Questions

Is it illegal to use pirated software?

Using pirated software can violate copyright law and expose you to civil or criminal penalties, especially if you distribute outputs created with unlicensed tools.

How can I safely get free or open-source software?

Download from the project's official site or recognized repositories, verify checksums or digital signatures when available, and avoid installers that bundle third-party offers.

What are the risks of downloading from torrents or random links?

Files from untrusted sources can include malware, adware, or backdoors that compromise individual machines and your broader network.

How do I protect an office from bundled bloatware?

Configure installation settings manually, use centrally managed deployment tools when possible, and maintain up-to-date security software on all endpoints.

Should a software business consider insurance?

Yes; businesses that sell or consult on software often face unique liability and professional risk exposures and should review coverage options with a professional.

Public Wi-Fi helps you stay connected on the go. With this resource you can check work email, video chat with clients, or review inventory logs in a restaurant, hotel, or airport. Unfortunately, public Wi‑Fi poses a security risk because others on the same network can see much of the activity you perform online. Follow these tips to use public Wi‑Fi more safely and protect yourself and your company.

Avoid Phony Wi‑Fi

Hackers can run “man‑in‑the‑middle” attacks by creating a Wi‑Fi network that looks legitimate but is controlled by an attacker. If you log into that network, the attacker can monitor your traffic and capture credentials. Before you connect, verify the network name with the venue’s staff.

Access Only Secure Websites

Look at the address bar: website addresses that start with https indicate the connection is encrypted. When you’re on public Wi‑Fi, limit browsing to pages served over https so data sent between your device and the site is protected.

Limit Public Wi‑Fi Activity

Even short sessions can be risky because data you enter might be exposed. Avoid accessing sites that require passwords or credit card details while on public Wi‑Fi, including online banking, email, and shopping sites.

Disconnect from Public Wi‑Fi

Turn off automatic Wi‑Fi connections on your device so it won’t join networks without your approval. Manually connect only to networks you’ve verified as safe.

Utilize a VPN

A virtual private network (VPN) creates an encrypted tunnel for your internet traffic and improves security on public networks. Consider using a reputable VPN service, especially when accessing sensitive work resources from a smartphone or laptop.

Use Your Smartphone as a Mobile Hotspot

Using your phone’s cellular connection as a personal hotspot is often safer than public Wi‑Fi. You should still be cautious about the sites you visit and the data you share, but a hotspot reduces exposure to nearby network attackers.

Purchase Cybersecurity Liability Insurance

Despite precautions, data, devices, or accounts can still be compromised on public networks. Ensure you purchase adequate cybersecurity liability insurance to help protect your company’s assets if a breach occurs.

If your company or organization needs coverage, review program options like Public Officials/Public Entity Program and Public Entity Insurance for Counties, Cities, Villages and Townships.

Improve security as you travel away from the office by following these tips; they help you use public Wi‑Fi in a safer manner while you work. If you have specific coverage questions, talk to an agent.

Frequently Asked Questions

Is public Wi‑Fi safe to use?

Public Wi‑Fi can be convenient but is less secure than private networks because others may intercept traffic; use caution and follow best practices like using https and a VPN.

Do I need a VPN for casual browsing on public Wi‑Fi?

A VPN adds a strong layer of protection and is recommended when you access work resources or enter any sensitive information on public networks.

Which websites are safe to visit over public Wi‑Fi?

Prefer sites served over https and avoid logging into accounts that require passwords or payment details unless you’re on a trusted network or using a VPN.

What should I do if I think my account was compromised after using public Wi‑Fi?

Change affected passwords immediately, enable multi‑factor authentication, and report the incident to your IT department or service providers so they can investigate.

Over 90 percent of the world's trade is carried on ships. The shipping industry is essential for the global economy and is a prime target for cyber crime, so whether you work in the industry or are a consumer, it helps to understand the cyber risks involved.

Piracy

Pirates still commandeer ships in person, but they also use technology to compromise a vessel. They can access systems such as the Automatic Identification System (AIS) or Electronic Chart Display and Information System (ECDIS) to plan and execute thefts or to hold containers for ransom.

Smuggling

Smugglers can gain access to the information systems of a ship, shipping company, or port. With that control, they may alter shipping records or container manifests to hide contraband or to identify which container holds illicit goods.

Fraud

Cyber criminals often impersonate company officials, clients, or customers to gain access to sensitive information. They can introduce malware or ransomware, or they can divert, steal, or alter shipments through compromised systems.

How to Combat Cyber Risks in the Shipping Industry

Maritime transport experts understand shipping and logistics but may not be IT specialists. They will need training and professional assistance to navigate the cyber risks they face.

Take cyber risks seriously.

Greater reliance on technology and increased connectivity between industries raise cyber risks. The shipping industry should plan for emerging threats; otherwise, businesses may compromise security and profitability. Companies handling specialized cargo can also review options such as Metal Shipping Barrels, Drums, Kegs, and Pails Insurance as part of broader risk planning.

Improve protection and loss prevention measures.

Criminals usually target victims with the most vulnerabilities. Improving security reduces attack surfaces, protects information, and establishes protocols to deal with breaches.

Train employees.

Insiders account for many security breaches, whether through malice or carelessness. In addition to a strict vetting process, companies can train employees to follow secure data practices.

• Handle data, including secure file disposal.
• Recognize fraudulent information requests and signs of a breach.
• Protect key information with custody and access guidelines.
• Perform strict digital monitoring and logging.

Purchase adequate cyber crime insurance

Even with strong controls, some cyber risks cannot be fully prevented. Cyber crime insurance provides an additional layer of protection and helps limit the financial impact of an incident. Companies in sectors that handle high-value or hazardous cargo should also consider industry-specific coverage such as Oil and Gas Industry Insurance Overview.

Secure the supply chain.

All suppliers and contractors should secure their information systems to avoid introducing malware or other cyber threats into connected systems. For legal and compliance considerations related to cyber incidents, firms may find resources like Legal Malpractice/Cyber Industry Insurance helpful when evaluating policies and responsibilities.

Cyber risks in the shipping industry affect companies and consumers worldwide. Understanding these risks and implementing layered defenses can improve security and help protect the global economy.

Frequently Asked Questions

How do cyber attackers typically target ships and ports?

Attackers exploit insecure systems such as navigation, cargo, or port management software and use phishing or network access to reach critical systems.

What are the most effective steps companies can take to reduce risk?

Implementing strong access controls, regular system updates, employee training, and incident response plans are among the most effective measures.

Will cyber insurance cover every type of cyber incident?

Cyber insurance can reduce financial loss from many incidents but coverage varies by policy, so companies should review terms and exclusions carefully.

How should companies handle third-party supplier security?

Conduct vendor security assessments, require security standards in contracts, and monitor third-party access to systems and data.