Cyber insurance applications include a question that catches a lot of small business owners off guard: “Do you maintain immutable, air-gapped, or offline backups of your critical business data?” Carriers added that question to renewal forms because ransomware operators worked out that the fastest way to force a payout is to wipe the backups first and encrypt everything else after. CISA, the FBI, and the Internet Crime Complaint Center have all documented this pattern as one o