Your cyber insurance could be as useful as a chocolate teapot.
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The following is a clause in Hiscox’s current cyber insurance application form*:
“All [users] with administrative privileges [must] have two accounts: one for everyday usage [..], and another only for administrative tasks (e.g. to install or uninstall programs on a computer; to access all files on a computer and/or network; and to modify or create accounts […]