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24 Chester County Life CHESTERCOUNTY-LIFE.COM I N S U R A N C E BY BETSY DRU TECCO Its reassuring to know our homeowners insurance covers our losses when someone burglarizes our home but what if the thief commits a cyber-attack In todays digi- tal world the risk of experiencing a cyber threat is high. According to CNN Money every two seconds identity fraud strikes an- other victim. In 2014 alone 47 percent of adults in the U.S. 110MM people had per- sonal information exposed by hackers. DEFENDING YOURSELF Check your homeowners insurance policy to see if it includes cyber liabilityID theft protection. Many of us are nave as to what our insurance policies actually cover. A com- mon misconception is that the only resource to help untangle the aftermath that results from identity fraud comes from a subscrip- tion service purchased before the attack oc- curs. Thats not the case Rick Davis President of MAGIS Insur- ance Group says You need an expert to review and evaluate your protection and then guide you towards the smartest most cost-effective ways to fully protect yourself your business and whatever you own. Based in Wayne MAGIS Insurance Group doesnt just sell insurance policies the team designs comprehensive insurance programs to protect the assets of individuals and business owners. MAGIS is an independent firm that represents several insurers who provide cov- erage for cyber threats as part of homeown- ers umbrella or business insurance policies. Cyber-Attacks and Liability A Real Risk in Insurance Programs Rick Davis President of MAGIS Insurance Group says You need an expert to review and evaluate your protection and then guide you towards the smartest most cost-effective ways to fully protect yourself your business and whatever you own.