United Benefits takes an integrated, comprehensive approach to cyber risk management to manage people and technology risks throughout your business.

Cyber Risk Management

Cybersecurity today is no longer merely a technology risk for the IT department. A cyber breach can affect business operations and cause tremendous financial harm. It can also have consequences that affect your reputation and brand long after the resolved breach.



United Benefits takes an integrated, comprehensive approach to cyber risk management to manage people and technology risks throughout your business. We use a three-step method to evaluate and manage cyber risk. 


01 Assess

With our Managed Service Provider (MSP) partner, we analyze vulnerabilities throughout your business, focusing on cyber risks affecting people and technology. We identify any exposures and provide IT and policy solutions to protect your business from cyber threats.

    • Cyber Risk Profile Diagnostic
    • Cyber Risk Survey
    • Cyber Work Readiness Diagnostic


02 Quantify

We use experience and assessment tools to provide strategic solutions to minimize and mitigate risk exposures.

    • Cyber Quantified


03 Protect

We use cyber insurance policies to protect the financial impact of exposure and managed IT services to protect the network, application, infrastructure, and security.




Cyber liability insurance.

Data breaches occur daily. Even though hacking incidents are the most recognizable and expensive cause of data loss, human error accounts for three out of four incidents.

  • 40% of the data breach cases are due to mistakes, such as losing laptops and flash drives.
  • 36% are system failures, such as software updates, which inadvertently expose sensitive private files.
  • 24% are malicious and criminal attacks.


No matter the system’s sophistication, little can be done to eliminate the risk of human error. 


Data breach exposure costs.

  • There are several costs associated with a data breach. For example, claims for failure to protect the information, legal expenses for required notifications, legal fees to find out and resolve the cause, expense to maintain business reputation, and hacker extortion demands, to name a few.
  • Small businesses have gone out of business due to identity theft. Impersonation of their company or personal name leads to loan defaults, inability to access credit, and loss of business reputation.



Reasons for cyber liability insurance.

  •  Federal government regulations such as HIPAA, HITECH, Gramm-Leach, and forty-seven individual states have created legislation protecting individuals’ personal information. These laws outline a business’s responsibilities after a breach and regulatory requirements.
  • Businesses that accept credit or debit cards may be subject to fines and penalties for violations of the Payment Card Industries Data Security Standards (PCI DSS).
  • Claims for intellectual property or events in a chat room, including social media, are most likely are not covered under General Liability.
  • The Federal Trade Commission estimates that the average time spent resolving a single identity theft is 400 hours. A business owner or partner or board member needs help managing their business while resolving identity theft.
  • A business owner can only gain the ability to obtain loans critical to business operations if their credit is maintained by identity theft.


Cyber Risk Exposure Series

Use the following risk assessment scorecards based on industry to evaluate cyber risk exposure and identify critical areas for protection.