Understanding Bricking in Cyber Insurance & If It’s Covered

    what is bricking in cyber insurance

    In today’s digital world, understanding the various risks associated with cyber threats is crucial. One such risk is “bricking,” a term that has gained importance in the context of cyber insurance.

    What is bricking in cyber insurance?

    Bricking describes a situation where a cyber attack or other incident renders a computer system or device entirely nonfunctional, effectively turning it into a “brick.” This term, borrowed from the idea of a device being as useful as a brick, underscores the severity of the damage. Once a device is bricked, it ceases to carry out its intended tasks, such as processing transactions, storing data, or delivering services.

    In cyber insurance, “bricking” is a significant risk to take into account. It signifies a complete failure of the hardware, rendering it inoperable. This problem can lead to substantial financial losses and business interruptions. While many cyber insurance policies include coverage for bricking, the details of this coverage can differ significantly from one policy or insurer to another.

    What does bricking mean?

    Bricking a computer means the device has become completely unusable, similar to a brick. This situation arises when a device’s firmware or software is so corrupted that it cannot perform its intended functions.

    There are two main types of bricking:

    1. Soft Bricking: This occurs due to software-related problems. Symptoms of a soft-bricked device might include repeated rebooting, freezing on the startup screen, or shutting down without fully starting up. Unlike hard-bricked devices, soft-bricked devices often remain repairable. Solutions might involve restoring the firmware to its original state, performing a factory reset, or reinstalling the operating system.
    2. Hard Bricking: Hard bricking is usually caused by severe issues, often hardware-related. When a device is hard-bricked, it does not turn on at all and is usually very challenging to repair. This type of bricking can result from critical hardware failures or serious corruption that affects the device’s ability to start up.

    How does bricking usually occur?

    Bricking typically arises from several common scenarios:

    • Malware and Ransomware: Malicious software can target a device’s firmware or software, causing it to become bricked. Ransomware attacks are particularly destructive, as they can lock or encrypt critical system files, making the device inoperable. This type of attack not only disrupts normal operations but also often requires substantial effort and expense to restore functionality or recover data.
    • Failed Software Updates: Sometimes, software or firmware updates do not install correctly, which can lead to bricking. Incompatibilities or errors during the update process can corrupt the device’s operating system, making it unable to start or function properly. Ensuring updates are from reliable sources and are compatible with the device can help prevent such issues.
    • Hardware Failures: Although less common, hardware failures can also result in bricking. Physical damage or faulty components can stop a device from turning on or functioning properly. This can occur during an attack that damages hardware or from ongoing wear and tear that exacerbates vulnerabilities.

    Is bricking part of cyber insurance coverage?

    Coverage for bricking under cyber insurance policies can vary. Traditional cyber insurance policies typically focus on protecting against data breaches, network security issues, and business interruptions. These policies often do not explicitly cover physical damage to hardware resulting from a cyber attack.

    Bricking Cyber Coverage: Some cyber insurance policies offer bricking coverage, often as an additional enhancement or optional add-on. This type of coverage can help businesses manage the costs of replacing or repairing bricked devices. It is crucial for companies to carefully review their cyber insurance policies to understand whether bricking coverage is included or if it needs to be specifically added. This ensures that businesses are protected against the financial impacts of such incidents and can recover quickly from hardware failures caused by cyber-attacks.

    What can you do to prevent bricking?

    Preventing bricking involves several proactive steps to protect your devices and maintain their functionality:

    1. Regular Software and Firmware Updates: Keeping your devices updated with the latest software and firmware helps close security gaps and fix bugs that could otherwise lead to bricking. Always apply updates promptly and follow the manufacturer’s guidelines to ensure compatibility and stability.
    2. Avoid Unauthorized Modifications: Using unofficial software or custom ROMs can make your device unstable and increase the risk of bricking. Stick to official software and updates provided by the manufacturer or trusted sources to minimize these risks.
    3. Backup Your Data: Regular data backups are essential for recovery if a device becomes bricked. Use cloud storage or external hard drives to keep backups up-to-date. This ensures that even if a device fails, your important information stays safe and accessible.
    4. Use Reliable Power Sources: Safeguard your devices from power surges and fluctuations, which can cause damage and possibly lead to bricking. Use surge protectors and uninterruptible power supplies (UPS) to protect against electrical issues and maintain a stable power supply.
    5. Be Cautious with Third-Party Apps: Download apps only from reputable sources to avoid introducing risks that could lead to bricking or other problems. Check the reputation of app developers and read reviews to confirm that the apps are secure and trustworthy.
    6. Seek Professional Help: If you’re uncertain about how to perform updates or address issues, seek advice from a professional. They can offer guidance and help prevent mistakes that might accidentally brick your device. Professional assistance ensures that maintenance and repairs are handled properly, reducing the risk of device malfunction.

    Know how to deal with bricking

    Understanding how to handle a bricked device is crucial for minimizing business disruptions. If a device becomes bricked:

    • Assess the Situation: Determine whether the bricking is soft or hard. Soft-bricked devices may be recoverable through software fixes, while hard-bricked devices may require more extensive repairs or replacement.
    • Consult Your Insurance Policy: Check if your cyber insurance policy includes bricking coverage. If it does, file a claim to cover the costs of replacement or repair.
    • Implement Recovery Strategies: Follow the appropriate steps to recover data or repair the device if possible. Utilize backups and professional services as needed.

    In conclusion, bricking poses a significant risk to businesses relying on technology. Understanding what bricking means in the context of cyber insurance, how it occurs, and how to prevent and manage it can help mitigate potential disruptions. Ensuring you have the right cyber insurance coverage and taking preventive measures, can protect your devices and maintain business continuity even in the face of cyber threats.