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Most cyberattacks do not start with elite hackers or advanced exploits. They start with simple gaps. A stolen password. A phishing email. A forgotten backup. For many organizations, the biggest threats are ransomware, email compromise, and credential theft. The damage can be significant.

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Cyber insurance used to be a checkbox. Today, it is a battleground. Carriers have tightened their requirements, premiums are on the rise, and coverage exclusions are more aggressive than ever. Many companies find themselves unprepared, with no clear roadmap on how to qualify or reduce their costs.

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