With cybercrime becoming a major threat to businesses across the world, 不论大小, cyber insurance is fast becoming a necessity more of a necessity than a choice. 然而, the concept of cyber insurance is still fairly new and not many 中小型企业 are aware of its benefits. 网络保险是一种保险，在您的企业成为网络犯罪的受害者时，您的责任. 例如, 数据泄露会让你面临诉讼的风险, 使您对您的客户/其他数据因/通过您的组织而被泄露的各方负责. Cyber insurance covers the financial aspect of such liabilities, 让你更容易和他们打交道.
Many organizations think of cyber insurance as an added cost. They believe they don’t need it for various reasons.
更大的组织认为他们的IT安全措施是无懈可击的，他们不会成为网络犯罪的受害者, and they also tend to believe that even if they are affected in a one-off case of cybercrime, 他们有足够的实力偿还债务，在这次事件中他们的品牌价值完好无损.
中小型企业, 另一方面, 我认为网络罪犯最有可能瞄准更大的玩家，他们不需要网络保险. But, in reality, it is the smaller businesses that are at a greater threat–primarily, because
- 它们缺乏加强IT基础设施的资源，员工也不太可能接受识别网络威胁方面的培训, 让他们更脆弱
The bottom line is, every organization–big or small, needs cyber insurance today. Cyber insurance, however, is not a replacement for cybersecurity. Having cyber insurance doesn’t mean you can be lax about cybersecurity. 它的作用是充当缓冲，提供帮助.your business survive when something slips through the cracks. MSP可以帮助您加强网络安全，防止数据泄露和其他意外事件. 也, 熟悉IT行业, your MSP can help you understand the IT risks that you need to get covered for. They can also help you pick out the right cyber insurance policies, 在某些情况下, some of them even being insurance advisors or agents.