{"id":5495,"date":"2022-08-19T09:00:08","date_gmt":"2022-08-19T09:00:08","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=5495"},"modified":"2024-05-09T11:37:08","modified_gmt":"2024-05-09T11:37:08","slug":"why-should-small-businesses-have-cyber-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-should-small-businesses-have-cyber-insurance\/","title":{"rendered":"\u00bfLas peque\u00f1as empresas necesitan un seguro cibern\u00e9tico?"},"content":{"rendered":"

Un informe de Check Point Research publicado en 2021 encontr\u00f3 que los ataques cibern\u00e9ticos hab\u00edan aumentado en un 75 por ciento con respecto al a\u00f1o anterior. Esta es solo una de varias razones por las que el seguro cibern\u00e9tico puede ser una opci\u00f3n de cobertura inteligente para las empresas. Si bien a menudo son las violaciones de datos a gran escala las que atraen gran parte de la atenci\u00f3n, las empresas m\u00e1s peque\u00f1as pueden beneficiarse tanto del seguro cibern\u00e9tico como las m\u00e1s grandes o medianas. A continuaci\u00f3n, repasamos los conceptos b\u00e1sicos y los beneficios de la cobertura cibern\u00e9tica para las peque\u00f1as empresas.<\/span><\/p>\n

Los fundamentos del seguro cibern\u00e9tico<\/h2>\n

El seguro cibern\u00e9tico es un tipo de seguro de responsabilidad civil destinado a brindar protecci\u00f3n contra p\u00e9rdidas derivadas de ataques cibern\u00e9ticos. Con la cobertura est\u00e1ndar, el seguro cibern\u00e9tico generalmente protege contra p\u00e9rdidas por: <\/span>
\n<\/span>
\n<\/span>\u2022 Extorsi\u00f3n digital<\/span>
\n<\/span>\u2022 Ataques de virus y malware<\/span>
\n<\/span>\u2022 Violaciones de privacidad<\/span>
\n<\/span>\u2022 Ataques de denegaci\u00f3n de servicio (DoS)<\/span>
\n<\/span>\u2022 Hackeo de sitios web<\/span>
\n<\/span>
\n<\/span>El seguro cibern\u00e9tico tambi\u00e9n suele extenderse a la protecci\u00f3n de los clientes de una empresa que pueden verse afectados por un problema de seguridad de datos. Adem\u00e1s, la cobertura puede aplicarse a costos legales relacionados asociados con una violaci\u00f3n de datos, gastos relacionados con la recuperaci\u00f3n de ataques cibern\u00e9ticos, p\u00e9rdidas derivadas de malas pr\u00e1cticas de ciberseguridad y costos asociados con parches y actualizaciones de sistemas para proteger contra futuros problemas de robo de datos.<\/span><\/p>\n

Pol\u00edticas y complementos adaptados a las necesidades de las peque\u00f1as empresas<\/h2>\n

Alguna <\/span>seguro de negocio<\/span><\/a> Los proveedores ofrecen cobertura de seguro cibern\u00e9tico espec\u00edficamente adaptada a las necesidades y preocupaciones de las peque\u00f1as empresas. A veces tambi\u00e9n hay disponibles complementos adicionales. Una opci\u00f3n relacionada popular es una p\u00f3liza contra delitos que ofrece protecci\u00f3n contra cosas como el robo f\u00edsico en el lugar de trabajo. El software y el seguro de responsabilidad del producto son otros complementos posibles y ofrecen protecci\u00f3n para cualquier producto de software o hardware desarrollado internamente.<\/span><\/p>\n

Dificultad de manejar demandas de rescate<\/h2>\n

No es inusual que los atacantes cibern\u00e9ticos exijan un rescate a cambio de restaurar el acceso a datos importantes. Las empresas m\u00e1s grandes a menudo pagan estos rescates a rega\u00f1adientes para evitar interrupciones significativas en las operaciones comerciales. Es menos probable que las empresas m\u00e1s peque\u00f1as puedan manejar las p\u00e9rdidas de las demandas de rescate. Tener cobertura de extorsi\u00f3n, que cubre las p\u00e9rdidas relacionadas con las demandas de rescate, minimiza la tensi\u00f3n financiera relacionada.<\/span><\/p>\n

Bajo costo de seguro cibern\u00e9tico<\/h2>\n

Seg\u00fan IT Business Edge, el costo del seguro cibern\u00e9tico es generalmente bajo. Esto lo hace asequible para muchas empresas m\u00e1s peque\u00f1as que buscan mayor tranquilidad sin sobrecargar los presupuestos ya limitados. Los ahorros son especialmente notables debido a los muchos beneficios asociados con la cobertura cibern\u00e9tica est\u00e1ndar. Es por esta raz\u00f3n que muchas empresas medianas y peque\u00f1as optan por obtener una cobertura de esta naturaleza, especialmente en el mundo digital actual.<\/span><\/p>\n

Peque\u00f1as empresas que m\u00e1s se benefician del seguro cibern\u00e9tico<\/h2>\n

El seguro cibern\u00e9tico es opcional y no una necesidad absoluta para todas las peque\u00f1as empresas. Dicho esto, ciertas empresas de menor escala tienden a beneficiarse m\u00e1s de la protecci\u00f3n relacionada con la cibern\u00e9tica. Por ejemplo, las peque\u00f1as empresas de comercio electr\u00f3nico en l\u00ednea que aceptan tarjetas de cr\u00e9dito son m\u00e1s susceptibles a las violaciones de datos que las empresas m\u00e1s peque\u00f1as que obtienen ingresos principalmente de compras en persona. Otros tipos de peque\u00f1as empresas que probablemente se beneficiar\u00e1n del seguro cibern\u00e9tico incluyen aquellas con operaciones que involucran: <\/span>
\n<\/span>
\n<\/span>\u2022 Tecnolog\u00eda de la informaci\u00f3n importante<\/span>
\n<\/span>\u2022 Software y servicios de soporte relacionados<\/span>
\n<\/span>\u2022 Informaci\u00f3n privada o confidencial de clientes, clientes o empleados<\/span>
\n<\/span>\u2022 Productos o servicios accesibles en l\u00ednea<\/span><\/p>\n

In today\u2019s online-centered world, you need to work with experts to ensure your business is covered against all types of losses, including data breaches. Look to the professionals at Altra Insurance Services for sound advice based on years of experience in the insurance industry. In addition to business insurance, we offer reliable homeowners, renters, and auto & <\/span>car insurance in National City<\/span><\/a> Los due\u00f1os de sus negocios deben llamar a uno de nuestros amables agentes hoy al (619) 404-6311 para analizar sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Un informe de Check Point Research publicado en 2021 encontr\u00f3 que los ataques cibern\u00e9ticos hab\u00edan aumentado en un 75 por ciento con respecto al a\u00f1o anterior. Esta es solo una de varias razones por las que el seguro cibern\u00e9tico puede ser una opci\u00f3n de cobertura inteligente para las empresas. Si bien a menudo son las violaciones de datos a gran escala las que captan gran parte de la atenci\u00f3n, las empresas m\u00e1s peque\u00f1as pueden beneficiarse de la misma manera que... <\/p>\n

Continue reading “Do Small Businesses Need Cyber Insurance?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":5496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-5495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nIs Cyber Insurance Worth It for a Small Business?<\/title>\n<meta name=\"description\" content=\"Data breaches can be disastrous for small businesses, so it's important for small business owners to consider insurance to protect against this liability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altrainsurance.com\/es\/why-should-small-businesses-have-cyber-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Cyber Insurance Worth It for a Small Business?\" \/>\n<meta property=\"og:description\" content=\"Data breaches can be disastrous for small businesses, so it's important for small business owners to consider insurance to protect against this liability.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/why-should-small-businesses-have-cyber-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-19T09:00:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-09T11:37:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"787\" \/>\n\t<meta property=\"og:image:height\" content=\"525\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Altra Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Altra Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Is Cyber Insurance Worth It for a Small Business?","description":"Data breaches can be disastrous for small businesses, so it's important for small business owners to consider insurance to protect against this liability.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/why-should-small-businesses-have-cyber-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"Is Cyber Insurance Worth It for a Small Business?","og_description":"Data breaches can be disastrous for small businesses, so it's important for small business owners to consider insurance to protect against this liability.","og_url":"https:\/\/altrainsurance.com\/es\/why-should-small-businesses-have-cyber-insurance\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2022-08-19T09:00:08+00:00","article_modified_time":"2024-05-09T11:37:08+00:00","og_image":[{"width":787,"height":525,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","type":"image\/jpeg"}],"author":"Altra Insurance","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Altra Insurance","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"Do Small Businesses Need Cyber Insurance?","datePublished":"2022-08-19T09:00:08+00:00","dateModified":"2024-05-09T11:37:08+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/"},"wordCount":581,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","articleSection":["Business & Commercial Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/","url":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/","name":"Is Cyber Insurance Worth It for a Small Business?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","datePublished":"2022-08-19T09:00:08+00:00","dateModified":"2024-05-09T11:37:08+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"Data breaches can be disastrous for small businesses, so it's important for small business owners to consider insurance to protect against this liability.","breadcrumb":{"@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#primaryimage","url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","contentUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","width":787,"height":525,"caption":"Do Small Businesses Need Cyber Insurance?"},{"@type":"BreadcrumbList","@id":"https:\/\/altrainsurance.com\/why-should-small-businesses-have-cyber-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/altrainsurance.com\/"},{"@type":"ListItem","position":2,"name":"Do Small Businesses Need Cyber Insurance?"}]},{"@type":"WebSite","@id":"https:\/\/altrainsurance.com\/#website","url":"https:\/\/altrainsurance.com\/","name":"SEGURO ALTRA","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/altrainsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1","name":"Altra Insurance","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","caption":"Altra Insurance"},"sameAs":["http:\/\/blog578"],"url":"https:\/\/altrainsurance.com\/es\/author\/blog578-2\/"}]}},"jetpack_featured_media_url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2022\/08\/Cyber-Insurance.jpeg","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/5495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=5495"}],"version-history":[{"count":3,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/5495\/revisions"}],"predecessor-version":[{"id":12276,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/5495\/revisions\/12276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media\/5496"}],"wp:attachment":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=5495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=5495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=5495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}