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By now everyone has read emails about our favorite movie actors on the internet. The identity theft risk is out there and can be insured.

The real danger about a major Data Breach/ Identity Theft is for the employees. The cost of notifying current and former employees, buying credit monitoring and recreating data may be astronomical. Having your social, birthdate and mailing address floating around is not only unacceptable but scary.

Back on Main Street hackers are encrypting documents owned by small business and asking for "ransom" to return the information. Ransomware is in Southern California and across the U.S.

Data Breach/Cyber Liability is no longer a coverage to bypass when consulting with your agent. Don't just ask but insist it is part of your coverage package.

Your emails are the least of your worries when you get hacked!

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