Politics

Cyber frights — does your insurance coverage match today’s threats?

Published

1 month ago

October 31, 2025

October is Cybersecurity Awareness Month — a timely reminder for Florida businesses that cyber threats are not only constant but also evolving at lightning speed.

Once thought to be the problem of multinational corporations, cybercrime today impacts companies of every size, from small retailers to midsize manufacturers. The unfortunate reality is that no organization, no matter how small or local, is immune to attack.

What’s changed in 2025 is not the existence of cyberattacks, but their sophistication. Criminals are deploying artificial intelligence to mimic the voices or faces of executives, tricking employees into wiring funds or sharing credentials. These “deepfake” impersonations have already fooled seasoned professionals.

Meanwhile, cybercriminals are exploiting vulnerabilities in widely used software and cloud providers, turning a weakness in one vendor into a cascading risk for dozens of companies.

Even the way we interact daily at work has become an attack surface. Hackers are infiltrating collaboration platforms and sending messages that look convincingly real — until malware takes hold.

Add to this the surge in credential theft and ransomware, and businesses face a threat environment unlike anything we’ve seen before.

A new kind of weak link

Last year, experts warned that the weakest link in cybersecurity was often an employee clicking a suspicious link. That remains true — but now the weakest link may also be a third-party service provider, an unpatched piece of software, or an unmonitored AI tool in use inside the business.

Criminals don’t always knock on the front door; sometimes they slip in through the side entrance you didn’t even realize was open.

The role of preparedness and protection

So, what can Florida businesses do?

First, embrace a “zero trust” approach — verify every request for access, no matter how legitimate it looks. Second, train employees to be skeptical of urgent demands, even if they appear to come from the boss. Third, audit your supply chain and software vendors to identify potential hidden risks.

But even the most vigilant defenses can be breached. That’s why preparation must include protection — and this is where the surplus lines insurance market plays a critical role.

How surplus lines step in

Cyber liability insurance has become an essential tool, but not every policy is created equal. When traditional insurers are often unable to cover unusual or high-severity risks, surplus lines carriers step in, tailoring policies to fit evolving exposures.

These insurers often provide more than coverage: they offer pre-loss services such as employee training, tabletop exercises, and risk assessments that strengthen defenses before an incident ever occurs.

And when an attack does happen, surplus lines policies typically provide immediate access to breach response experts. That can mean round-the-clock forensics, legal guidance, public relations support, and help notifying affected customers.

Many policies also cover business interruption, ransom payments, and data recovery — protections that can mean the difference between surviving an attack and shutting down.

The demand is growing. Florida businesses secured more than 25,091 cyber liability policies through surplus lines carriers last year, totaling more than $286 million in premium, according to the Florida Surplus Lines Service Office.

A call to action

Cybersecurity is no longer just an IT issue; it’s a boardroom, financial, and reputational issue. Florida businesses must treat it that way. Take Cybersecurity Awareness Month as a cue to: Review your defenses and update your training. Audit the vendors and software tools that connect to your systems.

Talk to your insurance broker about whether your coverage matches today’s threats — and whether surplus lines solutions can fill the gaps.

Vigilance is not optional, and protection is not just about defense. It’s about resilience. Cyberattacks may be inevitable, but business failure is not.

With proactive planning and the right coverage in place, Florida businesses can withstand today’s threats and emerge stronger tomorrow.

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Stephen Shea, CPCU, ARM, CIOP, is Executive Director of Underwriting Operations for Bass Underwriters in Plantation, and a member of the Florida Surplus Lines Association.

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Politics

Ron DeSantis says GOP must go on offense ahead of Midterms to bring back ‘complacent’ voters

Published

5 minutes ago

December 5, 2025

May Greene

Gov. Ron DeSantis is continuing to warn Republicans that next year’s Midterm contests may not go their way if the party doesn’t change course.

He recommends that Republicans make a strong case for what they will do if they somehow retain control of Congress next year, given that “in an off-year Midterm, the party in power’s voters tend to be more complacent.”

But DeSantis, who himself served nearly three terms in Congress before resigning to focus on his campaign for Governor in 2018, says House Republicans haven’t accomplished much, and they need to be proactive in the time that’s left.

“I just think you’ve got to be bold. I think you’ve got to be strong. And I think one of the frustrations with the Congress is, what have they done since August till now? They really haven’t done anything, right?” DeSantis explained on “Fox & Friends.”

“I’d be like, every day, coming out with something new and make the Democrats go on the record, show the contrast.”

The Governor said the economy and immigration are two issues that would resonate with voters.

On immigration, DeSantis believes his party should remind voters that President Donald Trump stopped the “influx” of illegal border crossers given passage when Joe Biden was in power.

After providing contrast to some of his policy wins through the end of 2023 in Florida, DeSantis suggested that the GOP needs to blame the opposition party regarding continued economic struggles.

“Democrats, they caused a lot of this with the inflation and now they’re acting like … they had nothing to do with it,” he said.

DeSantis’ latest comments come after Tuesday’s narrow GOP victory in deep-red Tennessee, in yet another election where a candidate for Congress underperformed President Donald Trump.

Republican Matt Van Epps defeated Democrat Aftyn Behn by roughly 9 points in the Nashville area seat. That’s less than half the margin by which Trump bested Kamala Harris in 2024. This is after U.S. Reps. Randy Fine and Jimmy Patronis won by smaller margins than expected in Special Elections in Florida earlier this year.

Though partisan maps protect the GOP in many cases, with just a seven-vote advantage over Democrats in Congress there is scant room for error.

Bettors seem to believe the House will flip, with Democratic odds of victory at 78% on Polymarket on Friday morning.

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Politics

Ron DeSantis again downplays interest in a second presidential run

Published

36 minutes ago

December 5, 2025

May Greene

The question won’t go away.

Gov. Ron DeSantis may be out of state, just like he was when he ran for President in 2024, but that doesn’t mean he’s eyeing another run for the White House.

“I’ve got my hands full, man. I’m good,” he told Stuart Varney during an in-studio interview Friday in New York City, responding to a question about his intentions.

DeSantis added that it was “not the first time” he got that question, which persists amid expectations of a crowded field of candidates to succeed President Donald Trump.

“I’m not thinking about anything because I think we have a President now who’s not even been in for a year. We’ve got a lot that we’ve got to accomplish,” the term-limited Governor told Jake Tapper last month when asked about 2028.

It may be for the best that DeSantis isn’t actively running, given some recent polls.

DeSantis, who ran in 2024 before withdrawing after failing to win a single county in the Iowa caucuses, has just 2% support in the latest survey from Emerson College.

Recent polling from the University of New Hampshire says he’ll struggle again in what is historically the first-in-the-nation Primary state. The “Granite State Poll,” his worst showing in any state poll so far, shows the Florida Governor with 3% support overall.

In January 2024, DeSantis had different messaging after leaving the GOP Primary race.

“When I was in Iowa, a lot of these folks that stuck with the President were very supportive of what I’ve done in Florida. They thought I was a good candidate,” DeSantis said. “I even had people say they think that I would even do better as President, but they felt that they owed Trump another shot. And so I think we really made a strong impression.”

But that was then, this is now.

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Politics

First place at stake for Jaguars vs. Colts

Published

1 hour ago

December 5, 2025

May Greene

How big is Sunday’s game for the Jaguars?

According to The Athletic, the Jaguars have an 83% chance of making the playoffs entering the weekend. That’s a pretty good bet. At 8-4, the Jaguars are currently in the third spot in the AFC.

However, Jacksonville stands a 42% chance of winning the division, slightly better than Sunday’s opponent, the Indianapolis Colts (8-4), who sit at 34% to win the AFC South.

With both games against the Colts still on the schedule and matchups with the struggling New York Jets, a trip to Denver to face the surging Broncos, and the season finale at home against the Tennessee Titans, the Jaguars need only to win the games they should win to make the playoffs.

Leaving the Colts games aside for the moment, if the Jaguars simply beat the Jets and Titans, they would have 10 wins. That is almost certainly enough to earn a postseason spot.

So, in a way, Sunday’s game against the Colts isn’t make-or-break. However, if the Jaguars want to win the division and host a playoff game, at least one win over the Colts is essential. Should the Jaguars win Sunday, they would hold a 1-game advantage over the Colts and, for the time being, hold the head-to-head tiebreaker over Indianapolis.

By one metric, the Jaguars can increase their playoff odds to 95% with a victory on Sunday. Even with a loss, they are a good bet to make the playoffs as a wild-card team. But the chance to start the postseason with a home game is a powerful advantage, one that division winners enjoy.

Health will be a major factor in Sunday’s game. The Jaguars hope to have wide receiver/kick returner Parker Washington and defensive end Travon Walker back in the lineup. Both missed some or all of last week’s game but practiced in a limited basis this week. Starting left tackle Walker Little and safety Andrew Wingard remained in the concussion protocol this week. Starting right guard Patrik Mekari returned from concussion protocol on Wednesday.

The Colts are also dealing with injuries. Cornerback Sauce Gardner did not practice this week, while quarterback Daniel Jones continues to play with a fracture in his leg.

The key matchup could be strength vs. strength. Indianapolis running back Jonathan Taylor leads the NFL in rushing with 1,282 yards, while the Jaguars are the league’s top rush defense, allowing opponents only 82.4 yards per contest. No running back has run for more than 90 yards against the Jaguars this season, and only one, Houston’s Woody Marks, has rushed for more than 70 yards in a game. Taylor averages nearly 107 yards per game this season.

The Jaguars last made the playoffs in 2022 in Doug Pederson’s first season as head coach. Liam Coen is trying to replicate the feat.

Interestingly, the game is one of three in the NFL this weekend with first place on the line.

The Baltimore Ravens host the Pittsburgh Steelers Sunday. Both teams are 6-6, and the winner will lead the AFC North. The Chicago Bears (9-3) also travel to Green Bay to face the Packers (8-3-1), with the winner taking the top spot in the NFC North.

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