Uncategorized

A few years ago, I met the owner of a growing e-commerce business who believed cybersecurity compliance was only something large corporations worried about. His company had fewer than 20 employees, used cloud software for almost everything, and accepted online payments every day. His attitude was simple: “We’re too small to attract hackers or regulators.” … Read more

A few years ago, one of my friends decided to modernize his business. Instead of storing files on an office computer, he moved everything to cloud services. Customer contracts went into Google Drive, invoices were stored in Dropbox, the accounting team switched to QuickBooks Online, and the company started using Microsoft 365 for email and … Read more

When I started helping friends set up their small businesses, one thing surprised me. Most of them were using their personal credit cards for everything—buying office equipment, paying for Facebook ads, subscribing to software, and even booking business travel. At first, it didn’t seem like a big problem. But after a few months, keeping track … Read more

When I started working with independent consultants and freelancers, I noticed a common pattern. Almost everyone invested in a good laptop, reliable software, and professional skills, but very few thought seriously about business insurance. The usual response was, “I’m just one person working from home. Why would anyone sue me?” It’s a fair question. The … Read more

A few years ago, I assumed cyber insurance was something only large companies needed. My thinking changed after a close friend who owned a small accounting firm called me one Friday evening in a panic. His office computers had been locked by ransomware. Employees couldn’t access client files, payroll couldn’t be processed, and customers were … Read more