7 Simple Tips to Help You Stay Cybersafe

Cyberattacks take many forms and can target both businesses and private individuals. For example, criminals may access financial information or set up new accounts in your name, or install harmful software that disrupts your computer or transmits data from your hard drive. Since October is Cybersecurity Awareness Month, we would like to join others in government private industry to draw attention to cyber threats and digital security.

The good news is that there are many ways to safeguard your personal information. These simple habits will greatly reduce your chance of becoming a victim. Here are some basic cybersecurity recommendations from the Cybersecurity and Infrastructure Security Agency (CISA).

Cyber safe tips

  1. Create strong passwords. Choose a unique password for each account, and change your passwords regularly. Longer passwords are more secure, so consider using a phrase of four or more random words. You may want to use a dedicated password manager to keep track of your passwords. A password manager stores your login information in an encrypted database. It will help you login automatically to the websites you routinely visit, and the only password you’ll have to remember is the master password for the password manager.
  2. Use multi-factor authentication when available. Multi-factor authentication involves using two of the three following credentials: something you know—a password or PIN; something you have—a token or ID card; and something you are—a biometric marker such as a fingerprint.
  3. For security questions, use only information you would know—not information someone could discover by checking out your social media. And while we’re mentioning social media, be careful what information you share there. Pets and children’s names, schools you attended, and so on, are often used as security questions, and posting them exposes that information to bad actors.
  4. Keep your software updated. Manufacturer’s updates often patch security problems. Just be careful to update only from the appropriate manufacturer’s website or built-in application stores to avoid problems.
  5. Only use secure internet connections you trust. Be very careful of public networks, which are not secure. Don’t use public networks to make purchases or make other sensitive transactions.
  6. Install a reputable anti-virus program.
  7. Recognize and report phishing and other forms of social engineering. Phishing involves using fake communication, like an email, to trick you into sharing sensitive personal information. It may request account numbers or your social security number, suggesting there is a problem. Once you respond with the information, the cybercriminal uses it to access or open accounts.  Never click on links or open attachments from unsolicited emails.

And beware: Criminals may capitalize on current events and disasters, such as Hurricane Ian. You may see online solicitation or social media posts from people posing as victims. If you want to help, be sure to send donations to established, legitimate charitable organizations.

If you own a business—protect yourself with cyber insurance

If your business uses or stores customers’ sensitive personal information, you may want to investigate cyber insurance. Cyber insurance protects your liability in the event of a data breach, something a general liability policy often excludes. Cyber insurance covers several types of risks including loss or corruption of data, business interruption, liability, identity theft, cyber extortion, and data breach.

Call L & M Insurance Group for all your insurance needs

Whether you need personal or business insurance (including cyber insurance), L & M Insurance Group has you covered. We will be happy to discuss cyber insurance, or any other aspect of business or personal insurance. We are an all-lines agency, independently owned and operated, located in Riverview, FL. We’ve served clients in Tampa, Brandon, Valrico, and surrounding communities for more than 30 years. Please call us at 813-672-4100, or click here to contact us online.

For more information on cyber safety, visit the Cybersecurity & Infrastructure Security Agency website at


Protect Yourself and Your Business From Cyber Security Threats

Cyber Security Threats can Affect You and Your Business

You’ve probably read about data breaches at large companies such as Equifax, Target, and Home Depot as well as other types of cyber attacks. But did you know that small businesses and even individuals are also at risk and can find themselves devastated by a cyber attack? In fact, Florida has the second highest number of victims of cybercrime in the U.S., and ranks third in the nation for frequency of identity theft, according to the Insurance Information Institute (III).


Phishing and Ransomware Cybercrime

Two of the most common cybercrimes are phishing and ransomware. Phishing refers to hackers trying to trick you into sharing your private information through an email or a webpage offer. Popular phishing schemes include emails that purport to be from your bank or credit card company, a friend in need of money, or threatening you for some unnamed illegal action.


Ransomware is malicious software (malware) designed to block access to your system and demanding ransom payment to restore access.


There are things you can do to protect yourself. These tips apply to individuals, employees, and business owners.


To Protect Yourself from Cyber Attacks

  • Create strong, unique passwords. Passwords are your first line of defense against cyber criminals. DO NOT use the same password for all your login credentials. If you have a hard time remembering your passwords, download an app to store them.
  • Use extreme caution when clicking links or opening email attachments. Don’t click links appearing in emails if you have any doubt at all about their legitimacy, even if the email looks like it’s from someone you know. Be skeptical of any urgent requests for money or bank transfers.
  • Protect your personal information. If you get an email from your bank or credit card company requesting personal information, call the number on your credit card or statement to verify the request.
  • Look for the security lock symbol in the web address of any site that asks for your personal information. Click on the lock to check that it has an up-to-date security certificate.
  • Keep all system software up to date.
  • Install, update and run security software such as anti-virus and malware protection programs.
  • Back up and store data at a secure offsite location.

How Cyber Insurance Can Protect Your Business

One more tip, if you have your own business: Consider buying cyber insurance (also known as cyber liability insurance). Business owners policies may provide some coverage for losses related to cyber incidents such as a computer virus or hardware failure. However, to better protect your business, consider buying a stand-alone cyber insurance policy tailored to your specific business needs. Cyber insurance covers several types of risks including, loss or corruption of data, business interruption, liability, identity theft, cyber extortion, and data breach.


“Virtually all businesses use information technology (IT) in some way—to communicate via email, to provide information or services through a website, to store and use customer data and more. Your business can be held liable if certain data is compromised….” notes the III.


At L & M Insurance Group, we take cyber security seriously, taking steps to protect both our business and our clients’ personal information. Please call us at 813-672-4100 if you need to discuss cyber insurance, or any other aspect of commercial or personal lines insurance.