croom new

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.

Continue reading

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.

Continue reading

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.

Continue reading

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.

Continue reading

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.

Continue reading

Why IT Spending is Bucking Current Economic Trends

Why IT Spending is Bucking Current Economic Trends

With inflation proving to be a significant concern for businesses at the moment, reaching highs that it hasn’t in decades, there is a distinct need for businesses to get as much value as they can out of the investments they make.

Let’s discuss a few technologies that offer this more desirable cost/benefit ratio so you can consider them for your own use.

Continue reading

Tip of the Week: Steps You Can Take to Ensure Your Files are Secure

Tip of the Week: Steps You Can Take to Ensure Your Files are Secure

In today’s business, sharing files is easy and something many workers take for granted. Unfortunately, not all file-sharing methods are secure. When efficiency is prioritized over security, it can often lead to extremely troublesome situations. For this week’s tip, we thought we’d go through a half dozen practices you can take to ensure your files get to where you need them to get safely and securely. 

Continue reading

What Today’s Business Leaders Need to Know About IT

What Today’s Business Leaders Need to Know About IT

Look, I’m not going to pretend that the executive level of any size of business doesn’t already have plenty on its plate. Having said that, it is important that a business’ top dogs are on the same page as its IT team members. Let’s run through the different points that this relationship should focus on for your operational benefit.

Continue reading

Evolution of Cybersecurity Tools and Strategies

Evolution of Cybersecurity Tools and Strategies

Technology has come a long way, but so too have the threats which leverage it to their advantage. How have the cyberthreats which target your organization evolved over time, and what can you do to protect yourself?

Continue reading

The Emergence of Social Media has Changed the Game for Businesses

The Emergence of Social Media has Changed the Game for Businesses

Social media is often seen as simply a consumer technology that has limited value to businesses, but you might be surprised by how much proper use of social media can impact it. Here are four benefits your business could potentially see from using social media websites and applications.

Continue reading

Build a Positive Digital Employee Experience

Build a Positive Digital Employee Experience

When it comes to your technology infrastructure, it’s natural that some of your solutions will be more used than others, but do you know where you are wasting money and resources? Today’s blog article is all about the digital employee experience, or DEX, and how you can use it to better your business’ relationship with its technology solutions.

Continue reading

Tip of the Week: How to Manage App Permissions in Android

Tip of the Week: How to Manage App Permissions in Android

Modern mobile devices are a bit of a double-edged sword for today’s businesses: on the one hand, they are critical for the productivity that is required of today’s organizations, but on the other, they also come with the very real chance of security issues. The permissions you give (or don’t) to these applications can have an impact on this risk.

Continue reading

Let’s Dork Out Over How Far We’ve Come with Mobile Devices

Let’s Dork Out Over How Far We’ve Come with Mobile Devices

I feel like we’ve been talking a lot about the horrifying cybersecurity threats that loom over our heads, and thought it might be nice to really appreciate just how gosh-darn cool some of these devices we all have can be instead. 

Continue reading

Social Media has Emerged as a Transcendent Technology for Businesses

Social Media has Emerged as a Transcendent Technology for Businesses

It is not an exaggeration to refer to social media as a world-changing technology, impacting life in all manners—interpersonal, social, and professional. We wanted to focus on this last aspect and discuss how social media can assist a business in its operations.

Continue reading

Educators Having Increased Exposure to Ransomware

Educators Having Increased Exposure to Ransomware

Ransomware is devastating as a cyberthreat, but some industries are hurt by it more than others. One such industry is education, and universities and schools are struggling to keep up with these cyberthreats. Most even do the unthinkable in response to attacks: they pay the ransom.

Continue reading

Get Your Data Protected with BDR

Get Your Data Protected with BDR

Running a business is stressful, but so is thinking about a future where that business (and its data) no longer exists. If you’re not careful with your preparedness, you could stare down a disaster with no hopes of recovery. This is why we urge you to take proactive action now—so you can prevent these kinds of scenarios from taking your business off the market for good.

Continue reading

Burnout is a Serious Threat to Your Business’ Cybersecurity

Burnout is a Serious Threat to Your Business’ Cybersecurity

Chances are pretty good that, by this point, you’ve heard of burnout—maybe you’ve even suffered from it before yourself—but, just in case you’re a remarkably lucky human being, it’s the phenomenon where your employees become disengaged to the point where their performance suffers. While this isn’t good in any facet of your business, it can be especially damaging in terms of your security.

Continue reading

Tip of the Week: Building Strong Password Practices

Tip of the Week: Building Strong Password Practices

Passwords are just one part of a comprehensive security strategy, but they are a crucial one. You must make sure that you are investing adequate time and effort into making sure your passwords are secure. This is easier said than done, but by the end of today’s short blog article, you’ll have all the information you need to craft excellent passwords for your accounts.

Continue reading

Should You Invest in New Technology Before You Get Priced Out?

Should You Invest in New Technology Before You Get Priced Out?

What does your IT budget look like for the remainder of this year? According to Gartner, your IT costs might be increasing. So, we ask you this: are you being intentional with your IT spending, and are you spending your business’ hard-earned revenue on technology which advances your organization’s ability to succeed? Let’s take a look at Gartner’s study to see what we can learn from patterns in IT expenses.

Continue reading

Is Cyber Insurance Worth It? (Spoiler Alert: It Is)

Is Cyber Insurance Worth It? (Spoiler Alert: It Is)

Insurance is a great asset, should you ever need it… including where your business technology is concerned. If you weren’t aware, there is a form of insurance—cyber insurance—that you can purchase in case your business suffers from a data breach.

Is this additional form of insurance worth the investment? Absolutely.

Continue reading

Newsletter Signup

Mobile? Grab this Article!

Qr Code

Latest Blog Entry

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...