Let’s get real: cybercrime isn’t just a business problem anymore.
It’s personal.
From phishing scams to ransomware, from hacked bank accounts to stolen tax returns—your digital identity is now one of your biggest liabilities.
And in 2025, with AI-generated scams and data breaches at an all-time high, the average household is more exposed than ever before.
⚠️ The Stats You Should Know
- 1 in 2 Americans were impacted by a data breach in the last 12 months
- AI-powered voice scams are making it easier to impersonate family members
- Digital wallets and mobile banking have become prime targets for fraud
- Cyber liability lawsuits are now extending into personal, not just business, life
Yet most people have no protection plan in place beyond “I hope it doesn’t happen to me.”
🔐 What Personal Cyber Coverage Actually Does
If your identity is stolen or your accounts are compromised, personal cyber coverage can help you:
- Reimburse legal fees and lost funds
- Restore your credit and identity
- Cover costs related to fraud, impersonation, and extortion
- Access digital security experts and legal support
- Prevent further exposure with monitoring and prevention tools
It’s like umbrella coverage for your online life—and it’s quickly becoming essential.
🛡️ Where This Fits in Your Risk Strategy
This falls under Pillar 3: Future & Liability Protection in our Three Pillars of Protection™ process.
We’re not just looking at your home and car anymore—we’re looking at your digital footprint:
- Online banking
- Social media
- Cloud-based photo libraries
- Family records
- Even your children’s school apps and devices
All of it is part of your exposure—and all of it can be protected.
👨👩👧👦 Who Needs to Be Thinking About This?
- Families with teens or kids using devices
- Professionals working from home
- Anyone using mobile banking, investing apps, or Venmo/Zelle
- Households with smart homes or digital assistants
- High-net-worth individuals or public-facing professionals
✅ Let’s Add This to Your Protection Plan
Most insurance providers don’t bring this up—because they’re focused on policies, not strategy.
But we include cyber and ID protection as part of every Protection Review™, so we can help you: ✔ Identify your biggest exposure points
✔ Add personal cyber coverage if needed
✔ Coordinate with your legal or financial team if you’ve already experienced a breach
Final Thought
“It only takes one click to compromise your identity—and your financial future.”
Let’s make sure you’re not just insured… but protected.