Cybersecurity: Why It Matters — and How You Can Stay Safe

From paying bills to shopping online and staying connected with family and friends, digital tools are now part of everyday life. While technology brings convenience, it also increases exposure to cyber risks. Understanding why cybersecurity risks are increasing, and how to protect yourself, can help reduce the chances of identity theft, financial loss, and disruption to your daily life.

Why Cybersecurity Risks are Increasing

As online activity increases, so do opportunities for cybercriminals to exploit personal information. Cybercriminals often use tactics such as phishing emails, fraudulent text messages, and fake websites that appear to come from trusted organizations. These scams are designed to trick people into sharing sensitive information like passwords, account numbers, or Social Security numbers.

Why Cybersecurity Matters for Individuals and Families

According to Ready.gov, cyber incidents can lead to stolen personal, financial, or medical information, loss of money, and long-term damage to personal security and privacy. Identity theft and fraud can also require significant time and effort to resolve. Staying alert and taking preventative steps can help limit these risks before they occur.

1. Think Before You Click: Phishing emails and text messages are among the most common ways scammers target consumers. Be cautious of unexpected messages that urge immediate action, request personal information, or include unfamiliar links or attachments.
   
   
2. Use Strong, Unique Passwords: Strong passwords help protect online accounts from unauthorized access. Use long passwords or passphrases, and avoid reusing them across multiple accounts.
   
   
3. Enable Multifactor Authentication (MFA): This adds an extra step — such as a code sent to your phone — making it harder for criminals to access accounts even if a password is stolen.
   
   
4. Keep Software and Devices Updated: Outdated software can contain vulnerabilities that cybercriminals might exploit.
   
   
5. Limit the Information You Share Online: Sharing less personal information, especially on social media, can reduce exposure to scams and identity theft. Review your privacy settings to ensure they reflect your preferences.

Staying Alert Is the Best Defense

Cybersecurity is an ongoing responsibility, not a one-time task. By staying informed and practicing basic online safety habits, individuals and families can better protect themselves in an increasingly connected world.

Source(s)

• Federal Deposit Insurance Corporation (FDIC) – Cybersecurity Consumer Resources [fdic.gov]
• Cybersecurity and Infrastructure Security Agency (CISA) – Cybersecurity Best Practices & Consumer Safety [cisa.gov], [cisa.gov]
• Federal Trade Commission (FTC) – Consumer Advice on Phishing and Online Scams [consumer.ftc.gov], [consumer.ftc.gov]
• Ready.gov – Cybersecurity and Personal Preparedness [ready.gov]

This information is provided solely as an insurance risk management tool. It is provided with the understanding that the member insurance companies of the Utica National Insurance Group are not providing legal advice, or any other professional services or advice. Utica shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information.