How Cyber Insurance Actually Covers Your Business in 2026

In this episode, Lucas and Luna dig into the specifics of cyber insurance for small and medium-sized businesses—what's actually covered, what's quietly excluded, and how underwriters are now requiring basic security controls like multi-factor authentication before they'll issue a policy. They walk through a concrete ransomware scenario: a dental practice hit for $80,000, the insurer paying the ransom but not the business interruption loss, and why a standard policy would have left the owner with $15,000 in uncovered costs. The conversation also covers the rise of silent cyber in commercial general liability policies, the role of cyber endorsements, and why privacy liability sub-limits can be dangerously low. If you run a business or work alongside one, this episode gives you a clear lens into a policy you probably don't know you need. #CyberInsurance #BusinessInsurance #Ransomware #DataBreach #PrivacyLiability #SmallBusiness #MultiFactorAuthentication #CyberRisk #InsuranceCoverage #FinancePodcast #BusinessPodcast #FexingoBusiness #InsuranceConversations #CyberLiability #IncidentResponse #NetworkSecurity #BusinessContinuity #Episode37 Keep every episode free: buymeacoffee.com/fexingo