Do I Need Personal Cyber Insurance? It Depends.

Summary: This 2-3 minute article explores personal cyber insurance, including what it can cover and whether you need it. Contact GEEKAID Computer and Network Support, the IT experts, at to discuss cyber insurance and all your computer and network support needs.

What Does Personal Cyber Insurance Cover?

The recently expanded remote work environment has led to unprecedented cybercrimes worldwide. Some cyberattacks have been so pervasive that there has been significant growth in the personal cyber insurance market. Personal Cyber Insurance generally covers the costs of attacks such as ransomware, fraud, identity theft and cyber-bullying (a recent addition). In some markets, insurance companies now offer cyber insurance as an add-on rider to homeowners' policies. Some specific protections include:

Should I Get Personal Cyber Insurance?

The answer to that question is that it depends on your cyber behavior. If you are diligent about using cyber best practices, you could already reduce your risk of a severe attack. Keeping your passwords and other online private information safe is an ongoing task that requires serious attention, whether you are a personal user or own a small to mid-sized business. However, if you’ve already fallen victim to a cyberattack more than once or someone in your network has, it is probably a good idea to purchase a policy.

How Much Cyber Insurance Do I Need?

Before getting any cyber insurance, do your own internal analysis of your cyber security best practices:

Business IT Services

Unfortunately, many users don’t take cyber security seriously until they get hacked. Even then, many waste time trying to recover on their own. Therefore, it is essential to know when it is time to engage the assistance of professional IT Consulting Services. IT professionals can assess your vulnerabilities in advance, recommend solutions and keep your system running smoothly and securely from the start. A modest investment in professional IT assistance is a smart way to protect computers, networks, mobile devices and all your data while freeing up your time to concentrate on more substantial business or personal tasks.

GEEK-AID® Computer and Network Support provides world-class IT consulting services and specializes in customized network design and support, computer repairs, installations, updates, and maintenance for homes and small to midsized businesses. GEEK-AID®'s team of experts is comprised of top specialists in different areas of IT services, serving clients on-site and remotely for Macs, PCs and all your connected devices, including new ones that are part of the ever-expanding IoT. They can answer all your IT questions, from “Am I using the correct USB-C cable?” to “When do I need to upgrade my company’s hardware?” More importantly, when your home or business computer goes down, they will perform on-site computer repairs if required. And the GEEK-AID® team doesn't clock out at five o'clock on Friday. They are available to you 24/7, remotely or in person, to ensure your computers, network and data stay up-to-date, healthy and secure. As your business grows, expands its network and adds more devices such as smart controls, smart devices, wireless access and remote access, your network's cybercrime vulnerability and need for cyber security will grow, too. In addition to maintaining the hardware, software and security, employee training and regular IT support should be ongoing. New users and devices will require additional training to use those devices efficiently and securely. Inter-related concerns include hardware and software installation and maintenance, repair, cyber security and network protection. These concerns must be addressed consistently and proactively to best support the seamless operation of your system, minimizing costly and time-consuming mistakes.

Call (877) GEEK-AID (877-433-5243) to discuss how they can secure, install, repair and maintain your home or SMB computer network and all its devices.