CIC Services and Environmental Risk Managers (ERMI) have enhanced their EnviroCap captive insurance program in response to ongoing challenges in the commercial insurance market.

While most CPAs feel secure with their current commercial crime insurance, many are unaware of hidden policy exclusions that leave their organizations financially vulnerable to significant fraud-related losses. These gaps are often discovered only after a major incident, when the financial and reputational damage is already done.

We are very pleased to announce that CIC Services, LLC’s Senior Account Manager, Dylan Lawhorn, has earned his Associate in Captive Insurance (ACI) designation from the International Center for Captive Insurance Education (ICCIE).

As generative AI becomes embedded in business operations, it’s also fueling a surge in sophisticated cyberattacks, leaving traditional cyber insurance policies dangerously outdated. From deepfakes and voice cloning to AI-generated phishing and chatbot manipulation, today’s threats don’t fit neatly into yesterday’s policy language.

In today’s digital age, small and mid-sized businesses (SMBs) face significant reputation risk from viral social media backlash, which can be devastating due to their limited resources and reliance on community trust. Unlike large corporations that have crisis management teams and financial cushions, SMBs are more vulnerable to public criticism.