{"id":3628,"date":"2026-04-20T15:51:42","date_gmt":"2026-04-20T15:51:42","guid":{"rendered":"https:\/\/goldenroosterinsurance.com\/blog\/?p=3628"},"modified":"2026-04-20T15:51:44","modified_gmt":"2026-04-20T15:51:44","slug":"cyber-liability-insurance","status":"publish","type":"post","link":"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/","title":{"rendered":"Cyber Liability Insurance: The Million-Dollar Mistake of Skipping Coverage"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"613\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-3.jpeg\" alt=\"Cyber Liability Insurance article photo\" class=\"wp-image-3629\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-3.jpeg 1000w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-3-300x184.jpeg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-3-768x471.jpeg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-3-150x92.jpeg 150w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#The_Ransomware_Attack_That_Nearly_Closed_a_Medical_Practice\" >The Ransomware Attack That Nearly Closed a Medical Practice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#Key_Components_of_Coverage\" >Key Components of Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#What_is_Generally_Not_Covered\" >What is Generally Not Covered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#Why_Its_Essential\" >Why It&#8217;s Essential<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#Who_Needs_Coverage\" >Who Needs Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#How_Premiums_Are_Determined\" >How Premiums Are Determined<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#Essential_Security_Controls_That_Impact_Coverage\" >Essential Security Controls That Impact Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#Getting_the_Right_Coverage\" >Getting the Right Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/cyber-liability-insurance\/#The_Bottom_Line\" >The Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Ransomware_Attack_That_Nearly_Closed_a_Medical_Practice\"><\/span>The Ransomware Attack That Nearly Closed a Medical Practice<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A small orthopedic practice with twelve employees fell victim to a ransomware attack without cyber liability insurance that crippled its operations. The breach began weeks earlier when a front desk employee clicked a phishing email. Attackers quietly moved through the network, disabling backups and mapping critical systems before striking over a long weekend.<\/p>\n\n\n\n<p>By Monday morning, patient records, scheduling software, billing systems, and clinical documentation were all encrypted. A ransom note demanded $275,000 in cryptocurrency within 72 hours. The practice\u2019s IT consultant confirmed the worst: backups had been failing for months and were unusable.<\/p>\n\n\n\n<p>With no access to records or scheduling, the practice was forced to halt patient care, insurance processing, and revenue generation. Each day of downtime meant thousands in unrecoverable losses, underscoring how a single lapse in security testing can escalate into a devastating business crisis.<\/p>\n\n\n\n<p>The total cost of the incident broke down as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Expense Category<\/strong><\/td><td><strong>Description<\/strong><\/td><td><strong>Cost (USD)<\/strong><\/td><\/tr><tr><td><strong>Ransom Payment<\/strong><\/td><td>Negotiated down from $275,000<\/td><td>$210,000<\/td><\/tr><tr><td><strong>Forensic Investigation<\/strong><\/td><td>Determine breach scope and entry point<\/td><td>$45,000<\/td><\/tr><tr><td><strong>System Restoration &amp; Data Recovery<\/strong><\/td><td>Restore systems and recover data<\/td><td>$38,000<\/td><\/tr><tr><td><strong>Legal Fees &amp; HIPAA Regulatory Response<\/strong><\/td><td>Legal counsel and compliance response<\/td><td>$62,000<\/td><\/tr><tr><td><strong>Business Interruption Losses<\/strong><\/td><td>Three weeks of reduced operations<\/td><td>$94,000<\/td><\/tr><tr><td><strong>Patient Notification &amp; Credit Monitoring<\/strong><\/td><td>Notify patients and provide monitoring services<\/td><td>$28,000<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td>Approximate overall financial impact<\/td><td><strong>$477,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Cyber liability insurance shields businesses from the financial, legal, and reputational fallout of cyberattacks and data breaches. It covers costs like forensics, incident response, data recovery, legal fees, and regulatory fines, protections not included in standard commercial policies. Unlike general liability or property insurance, which address physical risks, cyber coverage is designed for today\u2019s digital threats. As reliance on technology grows, so does exposure, making specialized cyber insurance essential for modern organizations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Components_of_Coverage\"><\/span>Key Components of Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding what cyber liability insurance actually covers is the first step toward evaluating whether your current protection is adequate. Policies are generally structured around two broad categories of coverage, each addressing a distinct type of financial exposure.<\/p>\n\n\n\n<p><strong>First-Party Coverage:<\/strong> Covers direct costs to the business, including incident response, ransom payments, forensic investigations, and business interruption losses. This is the coverage that activates immediately after an incident, funding the technical and operational response your business needs to recover. It pays for the forensic investigators who determine how attackers got in, the IT specialists who rebuild compromised systems, and the lost revenue your business suffers while systems are offline.<\/p>\n\n\n\n<p><strong>Third-Party Coverage:<\/strong> Protects against lawsuits from clients or partners whose data was compromised, covering legal fees, settlements, and regulatory fines. When a breach exposes customer data, the affected individuals and regulatory bodies don&#8217;t distinguish between a sophisticated nation-state attack and a preventable security failure, your business is responsible for the data it holds, and third-party coverage is what stands between a breach and financial ruin from external claims.<\/p>\n\n\n\n<p><strong>Common Covered Events: <\/strong>Ransomware attacks, phishing scams, employee errors, and data theft. It is worth noting that human error remains the leading cause of successful cyberattacks. An employee clicking a malicious link, misconfiguring a cloud storage bucket, or sending sensitive data to the wrong recipient can trigger the same costly response process as a sophisticated external attack and a well-structured policy covers all of these scenarios.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Generally_Not_Covered\"><\/span>What is Generally Not Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equally important to understanding what cyber liability insurance covers is knowing where its protection ends. Many business owners discover these gaps only after a claim is denied, which is precisely the wrong time to learn about policy limitations.<\/p>\n\n\n\n<p><strong>Betterment: <\/strong>Costs associated with upgrading security systems to a better state than they were before the breach. Insurers will pay to restore your systems to their pre-incident condition, but they won&#8217;t fund improvements beyond that baseline. If your network infrastructure was outdated before the attack, your policy will pay to restore that outdated infrastructure \u2014 not to replace it with something more secure.<\/p>\n\n\n\n<p><strong>Future Revenue Loss:<\/strong> Losses extending long after the recovery period. Business interruption coverage has defined time limits, typically covering income loss during the period of restoration. Revenue losses that persist months or years after systems are restored due to customer attrition or market position changes fall outside covered losses.<\/p>\n\n\n\n<p><strong>Loss of Reputation:<\/strong> The intrinsic, non-physical damage to brand value. If a breach causes customers to lose trust in your brand and take their business elsewhere, that erosion of goodwill is not a covered loss under standard cyber liability policies. Some insurers offer crisis communications support to help manage public perception, but the underlying reputational damage itself is not compensable.<\/p>\n\n\n\n<p><strong>Intentional Acts:<\/strong> Losses resulting from deliberate misconduct by the business owner or senior leadership are universally excluded. Policies are designed to cover accidental and criminal external incidents, not intentional wrongdoing.<\/p>\n\n\n\n<p><strong>Previously Known Vulnerabilities:<\/strong> If your business was aware of a security weakness and failed to address it, insurers may deny coverage for a breach that exploits that known gap. This underscores the importance of acting on security assessments and patch notifications rather than deferring remediation indefinitely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Its_Essential\"><\/span>Why It&#8217;s Essential<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The cost of data breaches continues to climb, with IBM reporting year\u2011over\u2011year increases and healthcare incidents averaging nearly $10 million. But the financial risk extends far beyond healthcare: retailers face PCI DSS fines, professional services firms face lawsuits and investigations, and manufacturers risk operational shutdowns when ransomware hits factory systems. No digital business is immune.<\/p>\n\n\n\n<p>Meanwhile, cybercriminals have professionalized their operations. Ransomware\u2011as\u2011a\u2011service and automated scanning tools make attacks easier to launch and harder to avoid. For most organizations, the question is not <em>if<\/em> but <em>when<\/em> and whether they are financially prepared.<\/p>\n\n\n\n<p>Regulators add further pressure. Frameworks like GDPR, CCPA, HIPAA, and emerging state laws impose strict breach notification rules, minimum security standards, and steep penalties. Navigating investigations without specialized counsel is risky, and the combined cost of fines and legal fees can exceed the reserves of many small businesses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Needs_Coverage\"><\/span>Who Needs Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The profile of businesses that need cyber liability insurance has expanded to encompass virtually every organization that operates in a digital environment. Priority considerations include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Businesses that store customer personal information of any kind<\/li>\n\n\n\n<li>Organizations that process payment card data or conduct e-commerce<\/li>\n\n\n\n<li>Healthcare providers, insurers, and business associates subject to HIPAA<\/li>\n\n\n\n<li>Professional services firms handling confidential client information<\/li>\n\n\n\n<li>Any business whose clients or partners contractually require proof of cyber coverage<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Premiums_Are_Determined\"><\/span>How Premiums Are Determined<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cyber liability premiums are calculated based on a combination of factors that collectively reflect the insurer&#8217;s assessment of your breach risk and potential claim severity.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Industry:<\/strong> Healthcare, financial services, and retail face higher premiums due to the sensitivity of the data they handle and their regulatory exposure.<\/li>\n\n\n\n<li><strong>Revenue and company size:<\/strong> Larger organizations with more data and greater business interruption exposure pay higher premiums.<\/li>\n\n\n\n<li><strong>Security controls: <\/strong>Businesses with strong security practices multi-factor authentication, endpoint detection and response, regular patching, employee training, and tested backup systems are rewarded with lower premiums and broader coverage terms. Insurers increasingly require evidence of specific controls before offering coverage at all.<\/li>\n\n\n\n<li><strong>Claims history:<\/strong> Prior cyber incidents signal elevated risk and typically result in higher premiums or coverage restrictions at renewal.<\/li>\n\n\n\n<li><strong>Data volume and type:<\/strong> A business storing 500,000 customer records faces greater exposure than one storing 5,000, and insurers price accordingly. Similarly, businesses handling highly sensitive data categories medical records, financial account information, Social Security numbers pay more than those handling less sensitive information.<\/li>\n\n\n\n<li><strong>Third-party access:<\/strong> The number of vendors, contractors, and partners with access to your systems directly influences your risk profile. Each external connection represents a potential entry point for attackers.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential_Security_Controls_That_Impact_Coverage\"><\/span>Essential Security Controls That Impact Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Multi\u2011Factor Authentication (MFA):<\/strong> Minimum requirement; must be enabled on email, remote access, and admin systems.<\/li>\n\n\n\n<li><strong>Tested Backups:<\/strong> Regular, verified backups stored separately; critical defense against ransomware.<\/li>\n\n\n\n<li><strong>Endpoint Detection &amp; Response (EDR):<\/strong> Continuous monitoring and automatic isolation of compromised devices.<\/li>\n\n\n\n<li><strong>Employee Training:<\/strong> Ongoing security awareness and phishing simulations to reduce human error.<\/li>\n\n\n\n<li><strong>Patch Management:<\/strong> Consistent updates to software, OS, and firmware to close exploitable vulnerabilities.<\/li>\n<\/ul>\n\n\n\n<p>This keeps the essentials sharp and digestible for an article section or checklist. Would you like me to also <strong>rank these controls by insurer priority<\/strong> (e.g., MFA first, backups second) to show which gaps are most likely to block coverage?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Getting_the_Right_Coverage\"><\/span>Getting the Right Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-4.jpeg\" alt=\"\" class=\"wp-image-3630\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-4.jpeg 1000w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-4-300x200.jpeg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-4-768x512.jpeg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/image-4-150x100.jpeg 150w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Securing appropriate cyber liability coverage requires more than simply purchasing the cheapest available policy. The complexity of the product and the pace at which the threat landscape evolves make specialist guidance essential.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Question \/ Area<\/strong><\/td><td><strong>Why It Matters<\/strong><\/td><td><strong>What to Confirm<\/strong><\/td><\/tr><tr><td><strong>Ransomware Payments<\/strong><\/td><td>Some policies exclude or sublimit ransom payments.<\/td><td>Explicitly confirm ransomware coverage, including conditions (e.g., law enforcement notification).<\/td><\/tr><tr><td><strong>Social Engineering &amp; Business Email Compromise<\/strong><\/td><td>Fraudulent wire transfers and invoice manipulation are common, costly incidents.<\/td><td>Verify if coverage is included or requires a specific endorsement.<\/td><\/tr><tr><td><strong>Vendor-Caused Breaches<\/strong><\/td><td>Breaches at third-party vendors still trigger your obligations and regulatory exposure.<\/td><td>Ensure coverage extends to incidents originating with vendors holding your data.<\/td><\/tr><tr><td><strong>Sublimits on Key Coverage Areas<\/strong><\/td><td>Aggregate limits may hide much lower sublimits for specific risks.<\/td><td>Review sublimits (e.g., ransomware $250K, regulatory fines $100K) against your exposure.<\/td><\/tr><tr><td><strong>Breach Response Services<\/strong><\/td><td>Access to pre-approved forensic, legal, PR, and negotiation services can be critical.<\/td><td>Confirm included services and whether using insurer-approved vendors ensures coverage.<\/td><\/tr><tr><td><strong>Retroactive Date<\/strong><\/td><td>Claims-made policies only cover incidents back to the retroactive date.<\/td><td>Verify the retroactive date and ensure it aligns with your risk history.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>An orthopedic practice with twelve employees carried a $1 million cyber liability policy, paying $195 a month. When ransomware struck, their insurer immediately deployed a breach response team, negotiator, forensic firm, and HIPAA attorney all covered under the policy.<\/p>\n\n\n\n<p>The insurer paid the ransom, funded investigations, managed regulatory response, and reimbursed business interruption losses. The practice was fully operational within four weeks, with out\u2011of\u2011pocket costs limited to a $10,000 deductible and minor uncovered downtime.<\/p>\n\n\n\n<p>By contrast, a neighboring dental practice declined cyber coverage, viewing the premium as unnecessary. When hit by a similar attack, they faced overwhelming costs alone, drained their credit line, missed payroll, and closed permanently within eight weeks.<\/p>\n\n\n\n<p>The difference between survival and closure wasn\u2019t security sophistication or IT support, it was a single insurance policy costing less than $200 per month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span>The Bottom Line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Cyber risk is real for every business, not just large enterprises. Cyber liability insurance won\u2019t stop attacks, but it ensures the financial fallout is absorbed by an insurer rather than your operating capital.<\/p>\n\n\n\n<p><strong>Don&#8217;t let a cyberattack write the last chapter of your business story.<\/strong><\/p>\n\n\n\n<p>Whether you run a medical practice, manage real estate transactions, or lead a small business, your data is a target and the cost of being unprepared is one most businesses never recover from.<\/p>\n\n\n\n<p><strong>The good news? One conversation can change everything.<\/strong><\/p>\n\n\n\n<p>\ud83d\udcde <strong><a href=\"http:\/\/outlook.office.com\/bookwithme\/user\/d4f0dc84f6c74ed4a1a0a72bc7910d24%40elgalloins.com?anonymous&amp;ismsaljsauthenabled\" target=\"_blank\" rel=\"noopener\">Book your FREE Cyber Risk Call today<\/a>.<\/strong> In just 15 minutes, we&#8217;ll assess your exposure, answer your questions, and find coverage that fits your budget before a hacker forces your hand.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Ransomware Attack That Nearly Closed a Medical Practice A small orthopedic practice with twelve employees fell victim to a ransomware attack without cyber liability insurance that crippled its operations. The breach began weeks earlier when a front desk employee clicked a phishing email. Attackers quietly moved through the network, disabling backups and mapping critical&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3633,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"taxonomy_info":{"category":[{"value":17,"label":"Insurance"}]},"featured_image_src_large":["https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2026\/04\/Article-covers-1024x576.png",1024,576,true],"author_info":{"display_name":"Janeth Ochoa","author_link":"https:\/\/goldenroosterinsurance.com\/blog\/author\/janeth\/"},"comment_info":0,"category_info":[{"term_id":17,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":23,"filter":"raw","cat_ID":17,"category_count":23,"category_description":"","cat_name":"Insurance","category_nicename":"insurance","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=3628"}],"version-history":[{"count":3,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3628\/revisions"}],"predecessor-version":[{"id":3634,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3628\/revisions\/3634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media\/3633"}],"wp:attachment":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=3628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=3628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=3628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}