{"id":628,"date":"2026-04-13T20:12:23","date_gmt":"2026-04-13T20:12:23","guid":{"rendered":"https:\/\/blog.integrityfirstins.biz\/?p=628"},"modified":"2026-04-13T20:12:23","modified_gmt":"2026-04-13T20:12:23","slug":"lawyers-you-may-not-have-the-cyber-coverage-you-think-you-do","status":"publish","type":"post","link":"https:\/\/blog.integrityfirstins.biz\/?p=628","title":{"rendered":"Lawyers: You May Not Have the Cyber Coverage You Think You Do"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Lawyers: You Probably Don\u2019t Have the Cyber Coverage You Think You Do\" width=\"584\" height=\"329\" src=\"https:\/\/www.youtube.com\/embed\/BEH8bqH7JFM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>When I review insurance policies for law firms, there\u2019s one issue I see come up again and again\u2026cyber liability.<\/p>\n\n\n\n<p>And more often than not, the conversation starts the same way:<\/p>\n\n\n\n<p><em>\u201cWe already have cyber coverage.\u201d<\/em><\/p>\n\n\n\n<p>That may be true. But the real question is\u2026 what does that coverage actually include?<\/p>\n\n\n\n<p>Because in many cases, when we take a closer look, there are some <a href=\"https:\/\/blog.integrityfirstins.biz\/?p=616\" data-type=\"post\" data-id=\"616\">significant gaps.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Problem Isn\u2019t Whether You Have Coverage\u2014It\u2019s What It Covers<\/strong><\/h2>\n\n\n\n<p>I recently reviewed a policy for a small law firm. Smart attorneys, well-run practice, and they were confident they had everything in place from an insurance standpoint.<\/p>\n\n\n\n<p>On the surface, it looked like they had cyber coverage.<\/p>\n\n\n\n<p>But once we dug into the details, the picture changed.<\/p>\n\n\n\n<p>There was no coverage for social engineering fraud.<br>Wire transfer fraud protection was missing.<br>Business interruption coverage was minimal.<br>And the deductible was set so high that it would take a major incident before the policy even became useful.<\/p>\n\n\n\n<p>This isn\u2019t unusual. Many cyber policies are written in a way that <em>appears<\/em> comprehensive, but when you read the fine print, certain types of claims are carved out, capped, or excluded altogether.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Law Firms Are a Target<\/strong><\/h2>\n\n\n\n<p>Law firms are in a unique position when it comes to cyber risk.<\/p>\n\n\n\n<p>You\u2019re handling sensitive client information.<br>You\u2019re moving money.<br>You\u2019re constantly communicating via email.<\/p>\n\n\n\n<p>That combination makes law firms an attractive target for cybercriminals.<\/p>\n\n\n\n<p>And unlike large financial institutions, most firms don\u2019t have the same level of cybersecurity infrastructure or internal controls in place. That doesn\u2019t mean firms are careless\u2014it just means they\u2019re often easier to exploit.<\/p>\n\n\n\n<p>All it takes is one convincing email.<br>One request that looks legitimate.<br>One click.<\/p>\n\n\n\n<p>From there, a situation can escalate quickly\u2014sometimes into a six- or even seven-figure loss.<\/p>\n\n\n\n<p><strong>Where Cyber Policies Often Fall Short<\/strong><\/p>\n\n\n\n<p>This is where things get tricky.<\/p>\n\n\n\n<p>A policy might say \u201ccyber coverage,\u201d but that doesn\u2019t always mean you\u2019re protected in the ways you expect.<\/p>\n\n\n\n<p>Some of the most common gaps I see include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/blog.integrityfirstins.biz\/?p=412\" data-type=\"post\" data-id=\"412\">Social engineering fraud<\/a><\/strong> \u2013 when someone impersonates a trusted party to trick you into sending money<\/li>\n\n\n\n<li><strong>Funds transfer fraud<\/strong> \u2013 unauthorized movement of money through your systems<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/blog.integrityfirstins.biz\/?p=264\" data-type=\"post\" data-id=\"264\">Ransomware payments<\/a><\/strong> \u2013 coverage limits or conditions that don\u2019t fully address real-world scenarios<\/li>\n\n\n\n<li><strong>Business interruption<\/strong> \u2013 limited protection for lost income if your systems are down<\/li>\n<\/ul>\n\n\n\n<p>In many cases, these areas are either excluded entirely or subject to strict sublimits that may not go very far in an actual event.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Better Question to Ask<\/strong><\/h2>\n\n\n\n<p>If you\u2019re a law firm owner, I\u2019d encourage you to shift the way you think about cyber insurance.<\/p>\n\n\n\n<p>Instead of asking:<\/p>\n\n\n\n<p><em>\u201cDo we have cyber coverage?\u201d<\/em><\/p>\n\n\n\n<p>Ask:<\/p>\n\n\n\n<p><em>\u201cWhat exactly is covered, where are the gaps and can we afford that risk?\u201d<\/em><\/p>\n\n\n\n<p>That\u2019s where the real value is.<\/p>\n\n\n\n<p>Because with cyber liability, what you don\u2019t know can end up being the most expensive part.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thought From Don I, Your Insurance Guy<\/strong><\/h2>\n\n\n\n<p>Cyber risk isn\u2019t going away. If anything, it\u2019s becoming more sophisticated and more targeted.<\/p>\n\n\n\n<p>The goal isn\u2019t to overcomplicate things or create unnecessary concern\u2014it\u2019s simply to make sure you understand what you have in place before you need it.<\/p>\n\n\n\n<p>If you\u2019re unsure, it\u2019s worth taking a closer look.<\/p>\n\n\n\n<p>Sometimes a quick review can uncover small adjustments that make a big difference.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>About the Author<\/strong><\/h3>\n\n\n\n<p>Don I helps law firms and small businesses understand their insurance coverage so there are no surprises when it matters most. If you\u2019d like a second set of eyes on your policy, he\u2019s always happy to provide straightforward, no-pressure feedback.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When I review insurance policies for law firms, there\u2019s one issue I see come up again and again\u2026cyber liability. And more often than not, the conversation starts the same way: \u201cWe already have cyber coverage.\u201d That may be true. But &hellip; <a href=\"https:\/\/blog.integrityfirstins.biz\/?p=628\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-628","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/posts\/628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=628"}],"version-history":[{"count":3,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/posts\/628\/revisions"}],"predecessor-version":[{"id":631,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=\/wp\/v2\/posts\/628\/revisions\/631"}],"wp:attachment":[{"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.integrityfirstins.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}