In these unprecedented times, when many of our clients are working, studying, and entertaining their families from home – and relying on technology more than ever – Chubb is here to help keep you safe.

Cyber criminals know that, with more people online, there are more ways to take advantage of vulnerabilities and mistakes to gain access to protected and personal information. If you’re working virtually for a company or your kids are taking classes online, don’t count on the business or school to take the lead in detecting malicious activity. Make sure you’re doing your part too!

At Chubb, we look for ways to do more for our clients, like suggesting ways to possibly help you prevent issues from happening in the first place. Following these ten tips may help you stay cyber safe, even in periods of uncertainty.

1. Ensure your remote access technology, software, and applications are up to date.
   Remote access technologies have known vulnerabilities – and are all too often the weak link that cyber criminals use to gain access to your personal information. Make sure to update all software and applications, so that any known weaknesses are patched and you and your family are better protected.


2. Only connect to the Internet through a secure network.
   When you connect to a public network, any information you share online or via a mobile app could be accessed by someone else. When accessing confidential information from your employer, use a Virtual Private Network (VPN) to encrypt your activity. Most organizations provide a VPN to their employees to ensure secure, remote access for work use, and personal VPN accounts are available from various service providers. If your kids are accessing a website for online learning, make sure your router software is up to date and you’re using a strong password that only your family knows.


3. Use strong passwords.
   Many people use the same or similar version of a password for everything, even between work and home. Unfortunately, this means hackers can reuse a single stolen password on multiple sites to unlock dozens of accounts. While remembering secure and complex passwords for every account can be difficult, it can help to use password management software, which provides strong, unique passwords for everything.


4. Use multifactor authentication.
   Traditional user login and password accounts are easy for cyber criminals to crack. Whenever possible, set up multifactor authentication on your accounts. This requires you to provide at least two authenticating factors, or proofs of identity, before you can access protected data, giving you a second line of defense against criminal activity. This additional level of protection is essential when you are accessing networks remotely, because bad actors will have a harder time accessing a private network.


5. Only share information with actual friends and family on social media.
   While you and your kids are stuck at home or practicing social distancing, you may want to turn to social media to connect with friends and family. Just make sure you’re only sharing with people you know and use strong passwords. Cyber criminals constantly target social media accounts, so don’t let them in yours.


6. Keep your smart toys and homes updated.
   Bad actors are finding ways to hack into smart appliances, homes, and toys – especially if they are not protected with strong passwords. Change the default password and update the software regularly. Keep an eye on how your children use their smart toys and turn them off during private discussions.


7. Only click on links, open attachments, and download software from trusted resources.
   While you may want to stay informed about the latest information, especially during periods of uncertainty, bad actors know this, and will attempt to take advantage of you by tricking you into thinking a malicious link is something important and informative. Once you click it, they can use that malicious link to gain access to your or your organization’s private information, and/or freeze the computers or networks. If you’re not sure about the source, go to the organization’s website. If it’s important, the information will be posted there as well.


8. Verify website URLs before sharing confidential information.
   Bad actors can easily create fake websites in which both the URL and homepage look remarkably similar to a site you trust – like your healthcare provider, bank, or email provider. Instead of following a link in an email, type the URL in by hand. Also, make sure the site you visit has HTTPS in the URL; these sites are more secure than those with HTTP.


9. Don’t respond to requests for information from unknown sources – especially if the request is for personally identifiable information or passwords.
   Bad actors attempt to con people into sharing confidential information by pretending to be someone you know or work with. Take extra care to identify who you’re sharing information with, before you share it – even if you think the request came from a trusted resource or organization. Don’t feel rushed; take the time to research the request and whether it’s appropriate before responding.


10. Make sure you’re protected.
    As a Chubb cyber insurance client, you have access to premier consulting, investigative, and crisis management services to help prevent cyber incidents from happening and to effectively manage them if they do happen. Keep your family, identity, and personal information safe with a Chubb Cyber Protection policy.

Visit www.chubb.com/online-you-protected for additional tips on protecting your personal data at home. This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.