Why do only ~4% of small and midsize businesses carry a standalone cyber policy? Host Jeff Edwards digs in with returning guest Eric Cernak (Hanover Insurance Group) to separate myth from reality and lay out practical next steps for SMBs, brokers, and MSPs.

In this episode:

• “We’re too small to be a target” — how modern threat actors actually operate
• Bolt-ons vs. standalone: where coverage (and limits) really differ
• Budget tradeoffs in a hard insurance market
• Why early incident reporting helps outcomes (and renewals)
• Warranties, MSPs, and where to get trustworthy guidance
• One thing you can do today: start asking better questions

Who should listen: SMB owners, CISOs at resource-constrained orgs, MSPs, brokers/agents, and anyone shaping cyber risk decisions.

Resources: Free guides & checklists at SafeHouseInitiative.org (no logins, tracking, or fees)

Hosts & Guest: Jeff Edwards • with Eric Cernak

#️⃣ Hashtags:

#CyberInsurance #SMB #SmallBusinessSecurity #BusinessContinuity #Ransomware #RiskManagement #InsuranceBrokers #MSP #SupplyChainRisk #GenerativeAI #DataBreach #SafeHousePodcast