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TotalCareIT™ Blog

TotalCareIT™ has been serving the Melbourne area since 2001, providing IT Support such as technical helpdesk support, computer support, and consulting to small and medium-sized businesses.

3 Times Businesses Were Denied Cyber Insurance Payouts

Cyber insurance is a type of insurance that protects businesses from financial losses that can result from a cyberattack. While it’s an essential tool for businesses of all sizes, there are some facts you should be aware of before purchasing a policy.

Just because you have cyber insurance, it doesn’t mean you are guaranteed a payout in the event of an incident. This is because you may not have the correct coverage for certain types of cyberattacks or you might have fallen out of compliance with your policy’s security requirements. As a result, it is critical to carefully review your policy and ensure that your business is adequately protected.

Learn from the past
Here are three real-life examples of denied cyber insurance claims:

Cottage Health vs. Columbia Casualty
The issue stemmed from a data breach at Cottage Health System. They notified their cyber insurer, Columbia Casualty Company, and filed a claim for coverage.


However, Columbia Casualty sought a declaratory judgment against Cottage Health, claiming that they were not obligated to defend or compensate Cottage Health because the insured didn’t comply with the terms of their policy. According to Columbia Casualty, Cottage Health agreed to maintain specific minimum risk controls as a condition of their coverage, which they then failed to do.
This case reminds organizations of the importance of reading their cyber policy, understanding what it contains and adhering to its terms.

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The Big Difference Between Patches and Updates

The Big Difference Between Patches and Updates

It’s easy to use the terms “patches” and “updates” as if they mean the same thing, and they are often used interchangeably within the same context. However, understanding the difference between the two can make a world of difference in terms of how you approach implementing each of them. We’re here to clear things up a bit and help you better understand the patches and updates you deploy on a month-to-month basis.

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There are Benefits from Aggressively Spending on Technology

There are Benefits from Aggressively Spending on Technology

The way you invest your business’ IT budget will have a considerable impact on how it performs. If your technology dollars are well spent you should see improvement year-over-year. Technology improves time management and allows for more automation than ever, not to mention the cost savings you see as a result. Let’s briefly discuss the IT budgeting process and how to build budgeting priorities that work.

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The Blockchain is a Fascinating Technology with a Lot of Potential

The Blockchain is a Fascinating Technology with a Lot of Potential

The blockchain has had a single purpose since it was first developed back in 1991, and that has simply been as a secure means of storing data. Its method of doing so is fascinating, so let’s examine the concept and all that it now allows us to do.

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Business Disasters Can Take Many Forms

Business Disasters Can Take Many Forms

We often think about disasters in the context that they completely destroy the office, rendering your business incapable of operations. However, this is only part of what is encompassed by the term “disaster,” and the whole picture is far more terrifying. Any disruption to your operations can be considered a disaster in its own right, so we wanted to take some time to go over what you should look out for with your disaster planning.

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Cyber insurance is a type of insurance that protects businesses from financial losses that can result from a cyberattack. While it’s an essential tool for businesses of all sizes, there are some facts you should be aware of before purchasing a policy. Just because you have c...