Season 3 /
/Episode 11

Apple


Spotify


Youtube

Most small and mid-sized businesses don’t have a standalone cyber insurance policy. Not because they don’t care. Not because they don’t face risk, but because the system around them isn’t built in a way that’s practical to navigate.

In this episode, Jeff Edwards sits down with Kurt Suhs, Founder and CEO of Concierge Cyber, to unpack why adoption remains low, what’s changed in the cyber insurance market, and what businesses are actually doing instead.

Kurt brings a rare perspective. From his early days at the FDIC investigating failed financial institutions, to helping shape some of the first cyber insurance policies in the late 90s, to building a “Plan B” model designed for the real world.

This conversation goes beyond policy language and into something more useful: How businesses think about risk when they don’t have coverage. Why complexity and policy structure are major barriers. What happens when something goes wrong and there’s no safety net. And what a practical, response-first approach actually looks like.

If you’re an SMB owner, advisor, or part of the cyber insurance ecosystem, this is a grounded look at the gap between coverage and reality.

#CyberInsurance #CyberRisk #SMB #Ransomware #BusinessContinuity #Resilience #Insurance #SafeHouse #FailureGap