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2019 Cyber Review - Millions Affected by Breaches

2019 Cyber Review - Millions Affected by Breaches
Though National Cyber Security Awareness month may be behind us, the focus on cybercrime remains constant. Just this year, there have been reports of massive data breaches in major corporations like Uber, DoorDash, Canva, and Desjardins. However, as we have discussed in the past, the vast majority of data breaches aren’t ever actually reported on ...– because they happen to small-to-medium sized businesses. This is reflected in new data published by the Office of the Privacy Commissioner of Canada (OPC). According to their findings, approximately 28 million Canadians have been affected by data breach incidents over the past 12 months. What’s concerning about this is that, 12 months ago, the Personal Information Protection and Privacy Act (PIPEDA) came into effect – and it seems to have done little in the way of slowing down the rise of cybercrime. However, one positive aspect of this act is that companies are now legally required to report breaches; ensuring that there is transparency in this process. This level of transparency is quite telling in these new findings – as 680 incidents were reported to the OPC over the past year. According to the organization, this is six times as many as they had received prior to PIPEDA coming into effect. There are two things that are clearly concerning about this. Firstly, companies will not voluntarily hold themselves accountable to cyberattacks. Secondly, the rise in cybercrimes is happening at an exponential level – with protection capabilities consistently playing catch-up against hackers. According to their findings, 58% of all breach incidents could be put down to foul play – with either targeted hacking or employee malpractice at the centre of the attacks. The second biggest reason was “accidental disclosure” – i.e., mistakes made by employees by sending confidential information to the wrong parties. The third major cause for breaches was down to people losing their laptops, hard drives, or USB devices and them falling into the hands of someone with mal-intent; and, along similar lines, the final cause was theft of such devices. Now, let’s get to the really scary part. 28 million Canadians have been effected just over the past 12 months. That is an absurdly high number even before it’s put into context. However, with context, it becomes mind-blowing. According to Statista, almost 34 million Canadians currently have access to the Internet – which comes to about 96% of the population. This means that over 81% of all Canadian internet users have had their data exposed. That is an unbelievable percentage. But is it really that surprising? The vast, vast majority of internet users don’t have the time or resources to learn how to protect themselves properly. Since businesses now almost exclusively operate on online platforms, is it really that surprising that so many people are so easily targeted?   There is undeniable proof that cyber protection should be amongst the absolute priorities for everyone going forward – businesses and individuals alike. That is where we can help. Contact one of our licensed experts today at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloaka87709c3335a8332db78adfd03599c48').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addya87709c3335a8332db78adfd03599c48 = 'better' + '@'; addya87709c3335a8332db78adfd03599c48 = addya87709c3335a8332db78adfd03599c48 + 'hubbardinsurance' + '.' + 'com'; var addy_texta87709c3335a8332db78adfd03599c48 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloaka87709c3335a8332db78adfd03599c48').innerHTML += ''+addy_texta87709c3335a8332db78adfd03599c48+''; to find out how we can help you stay protected from cyber criminals.    More
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Top 5 Winter Home Tips

Top 5 Winter Home Tips
  It’s that time of the year again! Just as Jon Snow predicted, winter has come. With the country firmly in the middle of December and heading into the start of the New Year, an ever-increasing soft white blanket rests upon the grounds upon which we all walk. As beautiful as winter may be, though, this is a time of increased risk for home-owne...rs. With that said, here are the top 5 tips for you to effectively winterize your homes!   Prepare for the Snow For all its wonder, snow can be incredibly destructive. Perhaps the most common concern amongst homeowners during the winter is the damage that the sheer weight of immense amounts of snow can cause – especially when that weight is directly on the roof. In these circumstances, it is important to try to safely get up to the roof and clear as much of the snow as possible. However, more than that, it is crucial to make sure that your home insurance policy covers damage done to the house based on the weight of ice, snow, and sleet. If not, then a claim may be denied.   Pipe Protection No one enjoys a burst pipe – it is one of the many pains of home maintenance during the winter. As the temperature gets colder, the water inside the pipes begins expanding. This, in turn, means that there is an increase in pressure inside the pipe – and once this pressure reaches a certain point, boom goes the pipe. To counter this, make sure that your pipes have insulation sleeves wrapped around them so that they aren’t as affected by the cold temperature. Moreover, it’s important to let a slow trickle of water every now and again throughout the faucets connected to your main water pipes so that the pressure can be slowly decreased.   Environmental Factors As discussed in a previous post, climate change is far worse than we actually believe it to be. Unfortunately, this means that seasons get more destructive by the year and that can spell disaster for many people. With heavier snowfalls becoming more likely, dead trees are becoming an ever-increasing hazard for homeowners. Dead trees can crack under the weight of snow and since and fall in dangerous areas – and even if they don’t hit your house or car, they can block pathways and become incredibly irritating. Healthy trees pose a hazard as well so it’s important to make sure that they are trimmed and the risk kept minimal. Make sure to check your coverage to confirm if damage caused by environmental factors is covered. Interior Protection Once snow piles up on your roof, the rest of the house becomes at risk for damage as well – especially the interiors walls. We have already seen this year that periods of snowfall can be followed up by periods of relative warmth that allow the snow and ice to melt away; and this can be rather problematic. The melted snow can seep through the roof and soak into the walls – causing water damage that can be costly and difficult to repair. To try and prevent this, make sure that the roof is insulated and – if there is an attic area – that it is properly ventilated. An extra step can be to install water-repellant membrane underneath the roof covering. Though these steps may come at a short-term cost, they will save a lot of time and money down the road.   Circuit Problems Turning the heating on in the house is the true sign that winter truly is here. We all know that one person who will hold off as long as possible to deny reality but, eventually, we all succumb to it. Portable heaters, electric blankets, electric furnaces – we all have our favourite items to keep us toasty warm. However, this also means that circuits work much harder. Throwing up the Christmas decorations adds to this as well and, before you know it, your circuits are at max capacity with the real possibility of becoming overloaded. Circuit fires are becoming a real issue for homeowners in the winter – especially with the winter months having record low temperatures. Make sure to have a contingency plan if there is a fire and, upon leaving the house, make sure all non-essential electronics are turned off. Furthermore, make certain you are covered for fire damage. More
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Hubbard Hires Alert!

Hubbard Hires Alert!
We are delighted to announce the addition of Jeanette Sangalang-Dela Paz to the Hubbard Insurance Group as a Personal Insurance Advisor! Jeanette brings with her over 13 years of experience in the personal insurance industry in client service, business development, compliance, and claims assistance. At Hubbard, we put an emphasis on the personal... touch and we are confident Jeanette is in the same mold. She is an expert at building relationships and helping her clients in the ways that work best for them. Jeanette aims to meet your insurance needs through all of your life changes. We are very excited to have Jeanette on the Hubbard team! More
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Driver's Listing Reminder Alert

It has become much more important that we keep our drivers listing current and that we not allow anyone who is not listed as a driver to use one of our units.  While there was a time that as long as the driver was legally licensed to drive, we could ‘technically’ allow any driver to drive our vehicles. However, the insurance companies have bec...ome much more strict with this filed underwriting rule and will move to non-renew a policy;  if a vehicle is involved in a claim and “A driver is unknown, unreported, unapproved or non-declared” including unlicensed (i.e.: suspended). Insurance companies have been moving much more aggressively to non-renew policies, making getting insurance with another company very difficult and most certainly more expensive. More
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Desjardins Cyber Attack Much Worse Than First Thought

Desjardins Cyber Attack Much Worse Than First Thought
The Desjardins cyber breach is far worse than it initially seemed according to a new statement from the company.   In a statement released by Guy Cormier, the president and chief executive of Desjardins, it was announced that over 4.2 million members had their information entirely compromised. This number is significantly higher than the init...ial near-3 million figure that was released in June earlier this year. At this time, there are thought to be no additional suspects. The ramifications of this breach will undoubtedly be felt far and wide – with a class-action lawsuit already in place against the company. As the largest federation of credit unions in North America, it is clear that millions of people will be affected by this breach for time to come.   More
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