Cybersecurity Awareness Month 2026: What Businesses Should Know About 831(b) Plans for Cyber Risk

October’s Cybersecurity Awareness Month arrives as cybercrime keeps draining company budgets through attacks and fraud that can hit cash flow, operations, and losses that traditional insurance may not fully cover. The FBI reported nearly $21 billion in cybercrime losses in 2025, up 26% from 2024, with cryptocurrency and AI-related fraud among the costliest threats. Coverage gaps matter: exclusions, limits, deductibles, and conditions can leave businesses paying substantial costs, especially for issues like social engineering, fraudulent transfers, and business interruption. SRA 831(b) Admin says its Data Breach Liability & Loss of Income Plan uses an 831(b) structure to complement insurance by targeting defined cyber exposures that may be excluded.