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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“Employee benefits are a strong factor in attracting quality employees in a competitive market. We have come to rely on and trust Andres O’Neil and Lowe’s Employee Benefit Specialists to help us navigate the ever changing world of employee benefits. From insurance enrollments to ACA compliance and everything in between this group of outstanding individuals are here for us, always ready to offer a helping hand and relieve some of the burden. They are thorough, reliable, and professional in all that they do. Always looking out for the best interest of the company and our employees that make us who we are. We are very thankful to have them come along side us as our brokers and our friends.”

Shelley Nighswander, CFO, A&P Tool Inc.