Patrick Hayes Before You Fill Out Your Next Cyber Insurance Application Cyber insurance applications have changed quite a bit. What used to be a relatively straightforward questionnaire about firewalls, antivirus, and a few basic security practices has become a much close... Sep 8, 2026
Patrick Hayes The Mission Must Survive: What Nonprofits Really Need to Understand About Cybersecurity and Cyber Insurance For most nonprofits, cybersecurity can feel like a problem meant for larger organizations. The headlines usually focus on ransomware attacks against hospitals, major corporate data breaches or sophist... Sep 3, 2026
Patrick Hayes Cyber Insurance Applications Are Becoming a Business Stress Test Small and mid-sized businesses have always had a complicated relationship with cyber insurance. Cost is part of it, but the process itself can be just as difficult. A business starts looking for cover... Aug 30, 2026
Patrick Hayes Most Small Businesses Think They're Protected Because They Don't Know If Their Security Is Working Most small business owners believe they have taken cybersecurity seriously. They have purchased antivirus software, enabled the security features included with Microsoft 365, installed a firewall, imp... Jul 6, 2026
Patrick Hayes Cybersecurity Doesn't Fail Overnight. It Slowly Drifts Few businesses wake up one morning and decide to become less secure. There is no meeting where someone announces that systems will no longer be maintained, user accounts will remain active after emplo... Jul 6, 2026
Patrick Hayes The Most Dangerous Employee Doesn't Mean to Cause Harm When business owners think about cybersecurity threats, they often picture sophisticated hackers, organized criminal groups, or malicious insiders deliberately trying to steal information. Those threa... Jul 6, 2026
Patrick Hayes Your Cyber Insurance Won't Save You If You Can't Operate For many business owners, purchasing cyber insurance feels like the final step in managing cyber risk. They have invested in security software, completed the insurance application, paid the premium, a... Jul 6, 2026
Patrick Hayes The Vendor You Trust Could Become Your Biggest Business Risk Most business owners spend considerable time hiring the right employees. They interview candidates, check references, verify experience, and think carefully about whether someone can be trusted with c... Jul 6, 2026
Patrick Hayes Your Website May Be Creating Legal Risk You Don't Know About Most small and mid-sized business owners think about cyber risk in terms of hackers. They worry about ransomware, stolen passwords, fraudulent payments, and data breaches. Those concerns are real, but... Jun 8, 2026
Patrick Hayes Cybersecurity Isn't the Risk. Business Interruption Is. Most business owners assume cybersecurity is about stopping attacks. That assumption makes sense. Security vendors spend years talking about ransomware, phishing campaigns, malware, and threat actors.... Jun 1, 2026
Patrick Hayes AI Is Changing Cyber Insurance for Small Businesses A recent PYMNTS article Big Insurance Backs Away From AI Risk and Startups Rush In highlighted growing concerns inside the insurance market around AI-related exposure. Large insurers are becoming incr... May 21, 2026
Patrick Hayes Third Wave Innovations Partners with Cadents At Third Wave, we’ve spent a lot of time talking with mid-market organizations that feel trapped between rising cyber insurance expectations, growing technical complexity, and security programs that s... May 11, 2026
