A Life with Purpose _ In Memory of Dr Eunice Songa-Saraceno

I recently reposted a piece that moved me, entitled A Call To Action below is the story of the the incredible woman that wrote that powerful piece  Dr Eunice Songa-Saraceno, BA, MD

In Memoriam of Dr Eunice Songa-Saraceno, BA, MD and on why Kenya needs to change 

At approximately 4:30 pm of Friday the 27th of January 2017, my wife, my best friend, the love of my life, Dr Eunice Songa-Saraceno, died like a hero. Aged 34, she died young and beautiful, like the heroes of the ancient myths; willing to change her Country she died fighting inequality and injustice, like only true heroes do.

She knew and understood the challenges of her Country and fought for Kenya when, with a BSc in Psychology and Physiology at the University of Western Ontario, Canada and a Doctor in Medicine Degree Magna cum Laude at the University of Santo Domingo, Dominican Republic, she decided to come back to Kenya, to work in a Country where there is a patient / doctor ratio of 0.2 doctors for 1,000 people, that means one doctor every 5,000 people (any doctor, not a specialist!).  

I remember the day she came back home exhausted after she pumped oxygen into the small chests of children whose lungs got burnt by the flames of exploded paraffin lamps, the only source of lights in the many areas of Nairobi where electricity is a luxury

As Eunice said with some of her last words “We want leaders who put our interests and well-being first and their pockets second. We want leaders who take pride in their positions and use their power to inspire and create rather than trample on and destroy.”

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Mind Thoughts: Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won't feel insecure around you. We are all meant to shine as children do. It's not just in some of us; it is in everyone. And as we let our own lights shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.  

Cyber Risks Insurance

Cyber insurance

Cyber insurance covers the losses relating to damage to, or loss of information from, IT systems and networks. 

Technology, social media and transactions over the Internet play key roles in how most organizations conduct business and reach out to prospective customers today. Those vehicles also serve as gateways to cyberattacks. 

More and more attacks are likely to occur and can cause moderate to severe losses for organizations large and small. As part of a risk management plan, organizations routinely must decide which risks to avoid, accept, control or transfer. Transferring risk is where cyber insurance comes into play.

Do I need it?

As a business of any size, it is likely you will rely on information technology (IT) infrastructure to some degree.  If so, you will be exposed to the risks of business interruption, income loss, damage management and repair, and possibly reputational damage if IT equipment or systems fail or are interrupted.

A UK Government survey estimated that in 2014 81% of large corporations and 60% of small businesses suffered a cyber breach. The average cost of a cyber-security breach is £600k-£1.15m for large businesses and £65k-115k for SMEs.

While existing insurance policies such as commercial property, business interruption or professional indemnity insurance, may provide some elements of cover against cyber risks, businesses are increasingly buying specialised cyber insurance policies to supplement their existing insurance arrangements, particularly if they:

hold sensitive customer details such as names and addresses or banking information;rely heavily on IT systems and websites to conduct their business;process payment card information as a matter of course.

What does it cover?

With its roots in errors and omissions (E&O) insurance, cyber insurance began catching on in early 2000's

Cyber insurance covers the losses relating to damage to, or loss of information from, IT systems and networks. Policies generally include significant assistance with and management of the incident itself, which can be essential when faced with reputational damage or regulatory enforcement. 

Generally cyber risks fall into first party and third party risks.  Insurance products exist to cover either or both of these types of risk.

First-party insurance covers your business’s own assets. This may include:

Loss or damage to digital assets such as data or software programmesBusiness interruption from network downtimeCyber exhortation where third parties threaten to damage or release data if money is not paid to themCustomer notification expenses when there is a legal or regulatory requirement to notify them of a security or privacy breachReputational damage arising from a breach of data that results in loss of intellectual property or customersTheft of money or digital assets through theft of equipment or electronic theft

Third-party insurance covers the assets of others, typically your customers. This may include:

Security and privacy breaches, and the investigation, defence costs and civil damages associated with themMulti-media liability, to cover investigation, defence costs and civil damages arising from defamation, breach of privacy or negligence in publication in electronic or print mediaLoss of third party data, including payment of compensation to customers for denial of access, and failure of software or systems

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