Phone 202 839-5563 


Everyone says smalls businesses are important. There are over 28,000,000 of them in the US. We need to start paying attention to them. 

Protecting Small Businesses from Cyber Threats while Strengthening Business Value

Cyber security and data protection are now national security issues impacting all U.S. businesses, no matter the size.  China and other nation states, as well as organized and disorganized criminals are stealing from all of us. They are disrupting the American way of life. It is time to take this seriously and protect everything valuable to us and our nation.

Cyber and Data Breach Liability Insurance: Protecting Small Businesses and Our Nation

This document is for small and mid-sized businesses who are considering acquiring “cyber and data breach liability insurance” to protect themselves against the increasing velocity and complexity of cyber and data breach attacks.

It is also for larger businesses and governments to help them understand the value of the insurance for their contractors and extended supply chain members.

Some may wish to require subcontractors and suppliers to have proper Insurance in place, as a stipulation to providing goods or services to them.

Please provide feedback associated with this living document!

This white paper is a living document.
We are looking for germane contributions associated with the following topics contained in the body of work. .

  • What is Cyber and Data Breach Liability Insurance
  • What to Look for in an Offering
  • Suggested Requirements
  • Examples of Underwriting Questions
  • Sample Requirements for Contracts
  • Value to the Cybersecurity Model Certification (CMMC)

We would also like to hear of new topics associated with insurance.

Please send comments to insurance @ 

Cybersecurity Maturity Model Certification

  • The CMMC will review and combine various cybersecurity standards and best practices and map these controls and processes across several maturity levels that range from basic cyber hygiene to advanced. For a given CMMC level, the associated controls and processes, when implemented, will reduce risk against a specific set of cyber threats.
  • The CMMC effort builds upon existing regulation (DFARS 252.204-7012) that is based on trust by adding a verification component with respect to cybersecurity requirements.
  • The goal is for CMMC to be cost-effective and affordable for small businesses to implement at the lower CMMC levels.
  • The intent is for certified independent 3rd party organizations to conduct audits and inform risk.

CMMC Listening Tour – July to Oct. 2019
CMMC starts initial pathfinders – Fall, 2019
CMMC ver. 0.4 – Released
CMMC ver. 0.6 – Nov. 2019
Training of 3PAO’s for CMMC – Jan. to June, 2020
CMMC to start appearing in RFIs – June, 2020
CMMC to start appearing in RFPs – Sep. 2020

Non-Profit” removed from RFI to identify Accreditation Body.

Large Organizations are Small Organizations Too

Large public and private organizations are comprised of big, medium and small organizational components. Sharing a common understanding and unified messaging is critical to delivering business/mission value and security. 

Small and mid-size businesses are the largest group of employers. Thinking of large organizations separately from this group ignores very important opportunities to increase business value and security because they are all connected and interdependent.

RightExposure helps small businesses and large businesses

FTC Guidance for Cyber

The Federal Trade Commission easy to follow guidance for small businesses. 
 The FTC is going to update and release new guidance Oct 18th.

Is Your Business Prepared for an Emergency?
Is Your Data?

When an emergency strikes, your business’s most vulnerable asset may not be in the stockroom or warehouse. It could be the data that has been central to your success.  The FTC has six steps you can take to help protect your company’s information from the unpredictable.  

Secure Paper, Physical Media, and Devices

federal trade commission

High-profile hackers grab the headlines. But some data thieves prefer old school methods – rifling through file cabinets, pinching paperwork, and pilfering devices like smartphones and flash drives. As your business bolsters the security of your network, don’t let that take attention away from how you secure documents and devices.

FTC law enforcement actions, closed investigations, and experiences we’ve heard from businesses demonstrate the wisdom of adopting a 360° approach to protecting confidential data. As Start with Security suggests, securing paper, physical media, and devices is an important part of that strategy.

Federal Communications Commission on Reasonableness

By clarifying that our standard is one of “reasonableness” rather than strict liability, we address one of the major concerns that providers—including small providers and their associations—raise in this proceeding.

Mitre Releases Supply Chain Guidance for DoD

“Deliver Uncompromised”

NIST 800-171 Controlled Unclassified Information

The protection of Controlled Unclassified Information (CUI) resident in non-federal systems and organizations is of paramount importance to federal agencies and can directly impact the ability of the federal government to successfully conduct its assigned missions and business operations.

NIST releases 1.1 Roadmap to the NIST Cybersecurity Framework

Product or service to help  Business Risk Management including Cybersecurity

 Insurance Data Security Law

National Association of Insurance CommissionersThe National Association of Insurance Commissioners have released the “Insurance Data Security Law” The intent of this Act is to establish standards for data security and standards for the investigation of and notification to the Commissioner of a Cybersecurity Event applicable to Licensees.  This Act may not be construed to created or imply a private cause of action for violation of its provisions nor may it be construed to curtail a private cause of action which would otherwise exist in the absence of this Act.  Click to read Insurance Data Security Law

Definitions:  “The critical starting point is to align to a common set of defined terminology. When companies are looking to implement compliance programs, starting with an understanding of the key terminology and definitions is a good place to start. For well-developed information security programs, starting over with defining terms may be wasteful…”

 South Carolina Insurance Data Security Law

The purpose and intent of this act is to establish standards for data security and standards for the investigation of and notification to the director of a cybersecurity event applicable to licensees. This act may not be construd to create or imply a private cause of action for a violation of its provisions nor may it be construed to curtail a private cause of action which would otherwise exist in the absence of this act.

Controlled Unclassified Information Security Requirements Workshop

On Thursday, October 18, 2018, the National Institute of Standards and Technology (NIST), in coordination with the Department of Defense (DoD) and the National Archives and Records Administration (NARA), is hosting an informational workshop providing an overview of Controlled Unclassified Information (CUI), the Defense Acquisition Regulations System (DFARS) Safeguarding Covered Defense Information and Cyber Incident Reporting Clause, and NIST Special Publications 800-171 and 800-171A. 

"If we guard our toothbrushes and diamonds with equal zeal, we will lose fewer toothbrushes and more diamonds."

"It is super invigorating to work with team members who have a singular focus which is driving greater value through greater product and capability out to the business." para phrasing his the rest of his comments: 'no body wants to do cyber or tech for the sake of tech. They want to solve a problem, that is real invigorating."

David Shive, CIO General Services Administration Tweet

“If you’re asking me if I think we’re at war, I think I’d say yes”…We’re at war right now in cyberspace. We’ve been at war for maybe a decade. They’re pouring oil over the castle walls every day.”

Gen Robert Neller, Commandant, USMC Tweet

Contact Us

Phone 202 839-5563 – – email

Cyber liability and Data Breach Consulting

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