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Cyber Guide Compliance and Protection Roadmap

The following Compliance and Protection Roadmap is designed to help agencies meet cyber security regulatory requirements. The Big “I” Agents Council for Technology (ACT) recognizes that the threat and regulatory environment is changing rapidly, so we have developed a process to update this document as individual regulations as well as federal and state laws change. 

For each regulation, we have listed examples of multiple industry and external resources. ACT provides these based on our awareness of services offered but does not endorse any specific service providers.

Note that vendors listed may have services that apply to multiple regulations. For a list of cybersecurity vendor providers and offerings, please see the Cybersecurity Provider Guide webpages. 





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Risk Assessment

Risk Assessment is the identification of hazards that could negatively impact an organization's ability to conduct business. These assessments help identify inherent business risks and provide measures, processes, and controls to reduce the impact of these risks to business operations. The assessment should include a risk mitigation checklist. 

  Risk Assessment Resources

ACT/CIS 'Cyber Hygiene Toolkits'

For help understanding hardware and software and how to count, configure, control and patch technology systems

StaySafeOnline.org

Resources presented by the National Cyber Alliance on how to stay safe online.





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Written Security Policy

A security policy is a document that states in writing how a company plans to protect the company's physical and information technology (IT) assets. It can also be referred to as a 'written information security policy" or WISP".


 
The document must detail your agency's operations for security, governance, inventories, controls, continuity and disaster planning and systems monitoring. This includes internal and external mitigation policies.





 



  Written Security Policy Resources

ACT Cybersecurity Policy Template

A free agency resource to create a written agency security policy

Information Shield

Security policy template library, with over 1,600 pre-written information security policies covering over 200 security topics.

FCC Cyber Security Planning Guide

This planning guide is designed to meet the specific needs of your company, using the FCC’s customizable Small Biz Cyber Planner tool.

NetGen Data Security

Industry cyber security vendor providing data security compliance for your business.





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​ Incident Response Plan

An incident response is an organized approach to addressing and managing the aftermath of a security breach or attack (also known as an incident). The goal is to handle the situation in a way that limits damage and reduces recovery time and costs while complying with federal and state regulations.  This includes communication/notices to the state superintendent upon detection of a cybersecurity event and communication to customers, insurers, and third-party service providers. 


This is part of an overall written security plan (see item #2 above). 

 



 Incident Response Plan Resources

Mintz Matrix

State Data Breach Laws in all 50 states

NCSL Security Breach Notification Laws by State

NCSL serves state legislators and their staff. This site provides general comparative information only and should not be relied upon or construed as legal advice

Guidance for Incident Response Plans

Organizations are preparing for data incidents and breaches by developing, updating, implementing, and testing incident response plans. This article provides a checklist of key components of an incident response plan.




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Staff Training & Monitoring

This is a critical regulation. Even if all other areas are in compliance, one misstep by agency personnel can expose data due to malware, phishing and other incursions. ACT strongly recommends that all businesses regardless of size train their staff on online security risks. 


 Staff Training & Monitoring Resources

PhishMe.com

Learn how detect phishing threats and more.

KnowBe4.com

Effective awareness training dealing with the changes made in workplaces.

Cybersecurity Employee Training Guidelines From Travelers

Security awareness training teaching employees to understand vulnerabilities and threats to business operations. 

Curricula

Valuable security awareness training for your employees.

Junglemap

Security awareness training made simple.

Sophos

Cloud resources to help evolve your cybersecurity needs.




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Penetration Testing and Vulnerability Assessment

Penetration Testing (also called ‘Pen Testing) is the annual practice of testing a computer system, network or Web application to find vulnerabilities that an attacker could exploit. This should be done internally and externally. 


Vulnerability Assessment  is a biannual process that defines, identifies, and classifies the security holes (vulnerabilities) in a computer, network or communications infrastructure.  



 Penetration Testing and Vulnerability Assessment Resources

Tutorials

Differences/Details between Penetration Testing and Vulnerability Assessments

Veracode

Vulnerability Assessment and Penetration Testing

Illumant Security Assessment Services

Vulnerability and Penetration testing



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Access Control Protocol

This responds to regulations requiring restricted access to non-public information, including PII, PHI, PCI.

 Access Control Protocol Resources

FTC.Gov 

How to Comply with the 'Privacy of Consumer Financial Information Rule' of the Gramm-Leach-Bliley Act

Rigid Bits

Providing Access Control and other cybersecurity solutions







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Written Security Policy for Third-Party Service Providers

These are written policies and procedures designed to ensure the

These are written policies and procedures designed to ensure the security of information systems and nonpublic information that are accessible to, or held by, third-party service providers.  The NAIC refers to this as an information security program. 

Note: This is an evolving issue, with regulatory guidance to come. 


 Service Provider Resources

Vine IT

Third-Party Service Provider compliance other related cybersecurity services.


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Encryption of Non-Public Information

Encryption is the process of encoding a message so that it can be read only by the sender and the intended recipient. 

Non-Public Information refers to all electronic information that is not publicly available information and for insurance purposes refer to PII (personally identifiable information), PHI (protected health information), and PCI (payment card industry data security standards). 

This regulation describes the need to encrypt and protect this data when in storage and when transferred between the insurance agency and its policyholders (example: email).


Note: There is an exemption to this regulation, however it requires a waiver request to be submitted annually.  See your state regulations, described HERE. 






 Encryption of Non-Public Information Resources

What is Data Encryption, How to Get Started

Covering the latest industry trends and an excellent source of thought leadership.

Comparison of the Best Data Encryption Software - 2020

Just because you have antivirus software installed on your PC doesn't mean a zero-day Trojan can't steal your personal data. The best encryption software keeps you safe from malware (and the NSA).

ACT TLS email encryption FAQs

Learn about TLS (Transport Layer Security) and how it helps protect your emails.

ACT Protect Your Clients with Secure Email Using TLS

Learn why having a secure email helps protect your clients.

ACT IA Carriers with TLS Secure Email Enabled

The following insurance carriers have reported to ACT that they support TLS email encryption for their agencies.





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Designation of Chief Information Officer

This is the title required by NY DFS for some agencies doing business in New York.; nationally this role can be viewed as 'Data Security Coordinator'. 


 Designation of Chief Information Officer Resources

Agency CIO Definition and Duties 

(from NY DFS regulation 500.05, page 5)

Cyber Clear Safe

Cybersecurity Advisors


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Audit Trail

An audit trail (can also be referred to as an audit log) is an electronic trail that gives a step-by-step documented history of a transaction. It enables an examiner to trace the financial data from general ledger to the source document (invoice, receipt, voucher, etc.). The presence of a reliable and easy-to-follow audit trail is an indicator of good internal controls instituted by a firm and forms the basis of objectivity. 


For agencies, using your agency management system (with all other interfacing systems) provides a solid foundation for an audit trail. 





 Audit Trail Resources

Pondurance

Audit Trail and related cybersecurity services






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Implementing Multi-Factor Authentication

Multifactor authentication (MFA) is a security system that requires more than one method of authentication from different categories of credentials to verify the user's identity for a login or other transaction.

 One example is a policyholder logging into an agency website and being requested to enter an additional one-time password (OTP) that the website's authentication server sends to the policyholder's phone or email address.



 Multi-Factor Authentication Resources

SBC.com

Protect Your Small Business with Two-Factor Authentication

CIO.com

Shows how Multi-Factor authentication (MFA) can help reduce the risk of compromised credentials.

Rigid Bits

Providing Access Control and other cybersecurity solutions

   


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Procedure for Disposal of Non-Public Information


As with encryption, this regulation refers to all electronic information that is not publicly available, including PII, PHI and PCI. Improper document destruction is often a downfall of small business security.


Regulations on this vary by state. Agents doing business in multiple states should adhere to the highest level of requirements. Keep in mind, there is a difference between complete disposal of information, and simply deletion.










 Disposal of Non-Public Information Resources

National Conference of State Legislatures (NCSL)

How the Disposal Rule applies to personal identifying information collected by businesses and government and is stored in various formats, digital and paper

The Mako Group

Services for cyber risk compliance


 



 
 
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