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Cyber Risks & Liabilities


HR Tech Trends for 2021

Technology was forced to rapidly advance in 2020 due to the global health crisis, which found organizations scrambling to adapt to remote working. HR technology  as well as cyber risk and liabilities were no exception. With the implementation of virtual onboarding processes, the creation of fully-automated payroll systems and more, HR technology adjusted to the needs of organizations in 2020.HR technology will continue to be vital for the advancement of companies in 2021 in the four areas mentioned below.

Digital Solutions for Remote Work

As organizations continue to navigate the virtual landscape, digital solutions are essential. Keeping an eye on productivity while still fostering collaboration is possible by managing workflows and streamlining processes. Integrating platforms that offer niche solutions for digital collaboration is key moving forward. Document sharing, online chats and video conferencing can help with keeping projects on track.

Software-as-a-Service and Cloud-based HR

Organizations with cloud-based systems already in place were able to seamlessly transition from the office to working from home. For those relying on outdated technology, the shift was a bit harder. In 2021, HR should include cloud-based and software-as-a-service (SaaS) solutions to stay on top of the evolving digital landscape. These solutions allow for comprehensive employee management online, including talent acquisition, virtual onboarding, performance management and payroll.

AI-powered Talent Management

Sage People found that 56 per cent of organizations plan to adopt artificial intelligence (AI) into their recruitment process in the next 12 months, compared to just 24 per cent who utilized the capability in 2020. AI-powered talent management can include resume assessments and candidate ranking. AI can also schedule and conduct video-based interviews that can predict how well a candidate will fit the role.

Digital Learning

Job seekers are prioritizing educational opportunities as they search for their next career move. Employers should attract talent by implementing online education platforms as an indication of investment in their employees' careers. Digital learning solutions are overtaking classroom-based learning, and this trend will only continue into 2021.

Top Cyber Threats for 2021

As the world continues to rely more and more on technology, the need to address threats to cybersecurity becomes increasingly important with cyber risk and liabilities.With 64 per cent of organizations already having experienced web-based attacks, here are seven cybersecurity threats to be aware of in 2021:

  1. Phishing‚-Phishing occurs when a hacker tricks someone into providing sensitive information or accessing malware by using a false identity. This can happen through email, social media accounts and more.
  2. SMS-based phishing‚-This form of phishing, sometimes referred to as "smishing," occurs through SMS text messages. The attack only happens after the link within the text message is opened. While emails are typically able to identify a phishing scam and filter it out, text messages with bad links can still come through.
  3. PDF scams‚-These scams occur when a PDF attachment in an email or messaging platform contains a link to malware or ransomware. Scammers know people are more likely to open a PDF attachment than a website link, especially if it's been labelled as a statement balance or press release.
  4. Malware and ransomware‚-Malware and ransomware can lead to hijacked software, frozen systems, and lost and stolen data. Businesses often keep data on servers that are connected to the internet, and all it takes is one crack in a company's cybersecurity for hackers to attack and access that data.
  5. Database exposure‚-Customer contact information, financial records and identity records are all susceptible to hacking and theft when servers aren'nt properly protected.
  6. Credential stuffing‚-Credential stuffing aims to gain private access through the utilization of stolen login credentials. The most common occurrence of credential stuffing happens when the same login information is used for multiple websites and accounts.
  7. Accidental sharing‚-Accidents happen. But when accidents contain confidential and sensitive information, company cybersecurity can be at risk. This type of threat is usually the result of human error rather than a hacker or malware issue.

Experts predict that, by 2023, cybercriminals will be stealing nearly 33 billion records per year. Learn more about protecting your organization against these cybersecurity threats by contacting KRGinsure today.

What Is Internet of Behaviours and How Will It Be Prevalent Going Forward?

Internet of Behaviours (IoB) is the leveraging of data to influence behaviour. Organizations utilize available data to predict and influence human behaviour. Gartner predicts that by 2023, 40 per cent of the global population will be tracked digitally in order to influence behaviour.However, IoB is already here and prevalent in many areas of daily life, including:

  • Facial recognition
  • Location tracking
  • Big data


And while IoB offers several benefits (e.g., convenience of having synced digital devices), the collection of this behaviour-focused data leaves sensitive data at risk for cyberattacks. Property access codes, delivery routes, bank access codes and more are susceptible to cybercriminals.Businesses should be vigilant and proactive in their cybersecurity efforts to ensure that data is secure and protected. Consider introducing cybersecurity training and awareness programs in your organization in order to stay ahead of cybercriminals.

Contact KRGinsure for more information on cyber risk and liabilities as well as all of your insurance needs.

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