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Business Cybersecurity Tips & Tricks

Business Cybersecurity Tips & Tricks

News Date: March 29, 2019

ESET Security Evangelist Tony Anscombe takes you through his tips and tricks for business cybersecurity.

Business Cybersecurity Tips & Tricks - 2FA

To add a layer of security to any online platform, a username and password are generally required. However, additional safety has become a must. The use of 2FA - two factor authentication, has become best practice, when protecting anything mildly important. This second factor, is an additional code generated from something physical that you have with you, a card, token or mobile phone. It can be referred to as simply ‘something you have and something you know’.

Without realizing it everyone frequently uses a form of two factor authentication. Your ATM card is protected by a PIN and to get money out of the cash machine you need to have the card and know the PIN, something you have and something you know.

To protect sensitive information such as customer data or access to company bank accounts online services, use two factor authentication to confirm your login or for transaction confirmation. For example, you can login to your business bank account through a web browser but as soon as you try and transfer monies then the bank can send a one-time password to your mobile phone or a token, you then need to enter the code into the browser to authenticate.

Do AV companies create viruses and malware?

Of course they don’t!
Anti-Virus companies absolutely don’t need to create the viruses. The world is full of cybercriminals and spy agencies doing enough of that already. While many of us love a good conspiracy theory, this is one that is just not true. There are hundreds of anti-virus companies all of which compete and whose employees continually move around for career progression.

If any one of these companies created malware then someone somewhere would spill the beans for competitive advantage so they could make more money themselves.

 Business Cybersecurity Tips & Tricks – Encryption

Is encryption too complicated for your business? The answer is NO. It just sounds complicated.

Encryption is not new. It all started with the ancient Greeks sending messages by substituting letters that could only be decrypted if you knew the secret key. It could be as simple as shifting each letter of the alphabet to the left or right by a certain number of positions - the key.

As only the intended recipient of the message knew the key; to everyone else the message looked complete gibberish. Sounds simple, right?

But today, you may hear people talking about public and private keys, asymmetric encryption, AES, SSL and so on. Sounds complicated, right?

The Greek system required both ends to know the key. Today’s encryption does not. Imagine an envelope that you can lock with a key. So rather than me sharing the key with you I send you the unlocked envelope.

You place a message in the envelope and snap it locked and send it back to me. I can unlock it as I have the key. This is kind of how public and private key encryption works. Starting to sound simple, right?

Updates and Upgrades

Computers, tablets, smartphones and others such as IoT devices (Internet of Things) are complex and have both vulnerabilities and weaknesses that we may not be aware of.

However, we are continually bombarded with messages to update, upgrade, patch and download new versions of apps and operating systems. The attitude of ‘don’t fix something that isn’t broken’ means that many updates are not deployed on company networks to avoid the inconvenience of scheduling and possible compatibility issues.

Keeping operating systems and applications up to date is one of the best ways to protect devices from being hacked. Cybercriminals seek out vulnerabilities in software and exploit them to gain access to devices and company data. Installing the recommended patches, updates and upgrades helps fix the vulnerabilities and keeps devices secure.

There can be additional reservations about installing updates. For example, will all the business critical applications that rely on the software work after the update? The need to test the compatibility of the update should be a priority, especially when an update is marked as a critical security patch, and without it there is a higher risk of cybercriminals penetrating the layers of defense used to keep the company assets protected. 

Source: https://www.eset.com/blog/business/business-cybersecurity-tips-tricks/

General Questions

There are many insurance companies that offer Life insurance and many others that offer Non-life (General) Insurance in Ghana.You can go to any of these insurance companies and take out insurance.Once you contact them, their staff will advise you on what they offer and what is best suited to your insurance need.Click to see the list of GIA accredited Life Insurance Companies and Non-Life (General) Insurance Companies.Insurance – Some Basic Steps
  • Contact an insurance company, an insurance broker or an insurance agent
  • Discuss your insurance needs with them.
  • Think     about the options carefully and then choose the product(s) that meet(s) your needs
  • Supply truthful information for the completion of the insurance contract documents
  • Sign the insurance contractPay your premium
  • Receive an insurance cover for the risk(s) you have insured.
When should you take Insurance?
Once you have life with its possible unwanted outcomes, it is advisable to take an insurance against such possible unwanted outcomes. Also, as soon as you acquire a property it is advisable to choose an insurance to cover the risk of damage or loss to the property. Again anytime you have liability to another person for any damage you may cause the person, it is advisable to insure the liability. For liability insurance in the form of third party motor vehicle, commercial building under construction and commercial buildings you are required by law to take out insurance as an owner.

Protecting your life and property should be an important part of your financial plan. Insurance protects you from financial problems resulting from damage or loss either to yourself or to your property. It is therefore important that you insure your life and property against any unanticipated accidents, damages or loss. You can take insurance to cover any of the following listed below:
  • Death
  • Accident
  • Theft
  • Fire
  • Loss
  • Damage
  • Disability Health.

Broadly there are two kinds of insurance:Life Insurance which pays an insurance benefit when the person who is insured dies;Non-Life (General) insurance, which comes in many forms, including property, liability, disability, health and travel.
  • Property Insurance provides protection against property damage and the insured is indemnified (compensated) if such damage occurs.
  • Liability Insurance provides you with insurance protection if you are found to be liable for causing damage to someone’s health or property.
  • Disability Insurance provides protection should you lose your ability to work and earn income, and pays you income if you are unable to work.
  • Health Insurance covers certain medical expenses and prescription medications.
  • Travel Insurance provides protection against certain adverse occurence during travel such as illness or even missed flights.


  • The insured (policy holder)
  • The third party whose property has been damaged by our insured's vehicle
  • The injured victim
  • Administrators of a deceased estate
  • Parents/guardians in the case of minor.

Non-motor insurance comprise of several lines example public liability, professional indemnity, personal accident etc. Each non-motor insurance claim has its own specific claims procedure and conditions.Generally, when an accident occurs the insured should comply with the following :
  • Report to the police.
  • Contact your broker/insurer and fill the specific claim form.
  • Do not settle or negotiate to settle, admit or repudiate any claim without the consent of your broker/insurer.
  • Forward all relevant documentary evidence in respect of the loss.
  • Forward all claims, writs of summons or letters from third parties to your broker/insurer through insureghana.com.

1. If your vehicle was driven without your consent, order or permission.
2. When an unlicensed driver was driving
3. When the claim is statute barred i.e claims not submitted within the three (3) or six (6) years period.
4. Where there was a change of ownership on the vehicle without reference to us.
5. Using the vehicle whilst the driver was drunk.
6. Using the vehicle for unauthorized purposes.
A. Own damage
  • Report the loss to the insurer and fill the accident report form.
  • Attach a copy of the driver’s license.
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle, clearly showing the registration number of the accident vehicle.
  • Allow damaged vehicle to be inspected by the insurer’s surveyor before the commencement of repairs.
  • Police report would be required, depending on the circumstances leading to the loss.

B. Property damage claim
  • Letter of claim
  • Police Report
  • Furnish the insurer with an estimate of the cost of repairs from either the insurer’s recommended garage or a repairer of your choice.
  • Provide pictures of the damaged vehicle.
  • Provide driving license of the insured’s driver.
C. Injury cases·
  • Letter of claim
  • Police Report
  • Medical report
  • Original receipts of Medical Bill incurred (To justify the cost being claimed for)
  • Sworn Affidavit.
Two (2) passport-size pictures of the injured victim endorsed by the doctor who treated the victim.D. Deceased (death) cases
  • Letter of claim
  • Police Report
  • Death Certificate/Burial permit/Post-mortem report
  • Letters of Administration
  • Personal Particulars of the deceased
  • Sworn Affidavit
  • Endorsed passport size pictures of Administrators (two each).
In all cases, a discharge form which states the agreed quantum (amount) will be issued by the insurance company to the insured or claimant for execution and forwarded back to enable us process the cheque.

Under all insurance contracts, damages or losses incurred must be reported to the insurance company for the purpose of making a claim. In most cases a report must also be made to the police. Under a motor insurance for example, you must report any accident to the police as soon as it occurs to enable you to begin the processes for making insurance claims.Failure to report an accident can subject you to personal liability if the persons involved later find themselves to be injured and your insurance company denies the claims due to your failure to report the accident promptly.
This is what you are paid in the case of an accident or loss for which you have insured. Once you have entered into an insurance contract and paid your premium, you are entitled to compensation from the insurance company for any damage or loss suffered. The extent of compensation depends on the type of insurance.

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