Cybercriminals aren’t just going after big corporations anymore. In 2025, small and mid-sized businesses are squarely in the crosshairs, and the threats are more sophisticated, more frequent, and more...
Fraud & Cyber Security
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3 min read
Cybercriminals aren’t just going after big corporations anymore. In 2025, small and mid-sized businesses are squarely in the crosshairs, and the threats are more sophisticated, more frequent, and more financially devastating than ever before.
If you think your business is too small to be a target, think again.
Why Smaller Businesses Are Prime Targets
Cybercriminals know that smaller businesses often lack the resources of large enterprises. In many cases, small businesses are also part of larger supply chains, making them attractive entry points for attackers looking to move upstream.
That’s why SWBC Insurance Services offers tailored cyber liability coverage designed specifically for small and mid-sized businesses. We understand the unique vulnerabilities these companies face—and we’re here to help you prepare, protect, and recover.
The result? A growing number of small and mid-sized businesses are experiencing attacks that lead to operational shutdowns, data loss, and even permanent closure.
Top Cyber Threats in 2025
- Ransomware-as-a-Service (RaaS)
With RaaS, even low-skilled criminals can launch devastating attacks by renting ransomware tools on the dark web. These attacks encrypt your data and demand payment to restore access, often halting operations for days or weeks.
- Business Email Compromise (BEC)
These highly targeted phishing attacks trick employees (often in finance or HR) into transferring funds or sharing sensitive information. In 2025, BEC scams are more convincing than ever, using AI-generated emails and spoofed domains that are nearly impossible to detect.
- Third-Party Vendor Breaches
Many small businesses rely on cloud-based tools and third-party vendors. If one of those vendors is breached, your data could be exposed.
- Credential Stuffing and Password Attacks
Attackers use stolen login credentials from other breaches to access your systems. If your team reuses passwords or lacks multi-factor authentication, your business is at serious risk.
- AI-Powered Phishing and Deepfakes
Cybercriminals are now using AI to create hyper-realistic phishing emails, fake voicemails, and even deep-fake videos. These tools make it easier than ever to impersonate executives or vendors and trick employees into taking harmful actions.
The Real-World Impact
Cyberattacks don’t just disrupt your systems, they disrupt your business. The consequences can include:
- Lost revenue from downtime
- Reputational damage that erodes customer trust
- Legal exposure from data privacy violations
- Emotional stress on your team and leadership
For many small businesses, a single attack can be the difference between survival and shutdown.
Why Cyber Liability Insurance Matters
Cyber liability insurance helps cover the costs of a cyberattack, from ransomware payments and legal fees to data recovery and business interruption. It’s not a replacement for cybersecurity, but it’s a critical layer of protection when things go wrong.
At SWBC, we’ve been protecting Texas businesses for over 45 years. Cyber threats may be new, but our commitment to your security isn’t.
What sets us apart?
Certified Insurance Counselors (CIC) on staff
Our team brings deep expertise and a consultative approach to every policy.
Tailored coverage
No two businesses are alike. Neither are our policies.
Local and loyal
We understand the unique risks Texas businesses face because we’re one, too.
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