Cybersecurity is an ongoing threat all over the market, and damages resulting from cyber security events are estimated to be $6 trillion on an annual basis by 2021.

Some of the most prevalent attacks today in the marketplace are as follows:


A type of malware that prevents users from accessing their system, personal files, or stopping operations and demands a ransom payment in order to regain access.


Emails with a “fake” link to sites with confidential information such as a bank or credit card company asking users for their passwords and ID’s.

Social Engineering

Or “Spoof Attack”, it’s a more focused and specifically targeted than phishing. Behavioral manipulation along with intelligence gathering about a large player at a company; often shows up as a bogus email from somebody prevalent in the company. “I forgot to pay this bill before I left on vacation, can you wire $10,000 to this bank account?”


Keylogging software that monitors a user’s keystroke on the keyboard. Used heavily to obtain log-in information.

Andres O’Neil & Lowe is a leading insurance and risk management firm focused on helping businesses experience better outcomes with 1st and 3rd party cyber issues.

Filling out an application for a cyber quote takes just seconds by simply filling in your company name, contact, annual revenue, and website (if applicable). Please note, if you are an ISFA member, be sure to check the box below when filling out the application.

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“When we built our “dream home” we chose Melinda Robinson from Andres, O’Neil & Lowe Insurance Agency because Melinda has always had an excellent reputation for her outstanding career as an insurance agent. We were quick to find this out first hand as we had a very large claim on our home due to water intrusion and then mold. Melinda was very quick to let us know about our coverage and went above and beyond from start to finish of our year long project. We greatly appreciated her professionalism and her help in making sure that the claim process was managed effectively. For those reasons and so many more, we will highly recommend Melinda Robinson to everyone we know.”

Cathy Hayati