Cyber threats are evolving rapidly, and staying ahead of them is essential for every organization—especially small businesses. As an insurance provider, we’re committed to helping our clients understand the risks and prepare for what’s next. This October, in recognition of Cybersecurity Awareness Month, we’re highlighting the most urgent threats of 2025 and the emerging trends expected to shape 2026.
With cyber crime projected to become the third-largest global economy by 2026, it’s more important than ever to stay informed, protected, and resilient.
Cybersecurity Risk Trends in Late 2025
AI-Powered Attacks
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Cybercriminals are using generative AI to create realistic phishing emails, deepfake videos, and voice impersonations.
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AI-driven malware is automating reconnaissance and attack deployment, making threats faster and harder to detect
Ransomware-as-a-Service (RaaS)
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Ransomware remains a top threat, with new variants targeting critical infrastructure and small businesses.
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RaaS platforms allow even non-technical criminals to launch sophisticated attacks.
Supply Chain Exploits
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Attacks targeting software supply chains and zero-day vulnerabilities are increasing, often affecting businesses indirectly through vendors.
Geopolitical Cyber Threats
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Nation-state actors are ramping up cyber operations, influencing global threat patterns and targeting sectors like finance and healthcare.
Cybersecurity Talent Shortage
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A lack of skilled professionals is leaving many organizations—especially small ones—vulnerable to attacks.
Looking Ahead: Cybersecurity Trends for 2026
Autonomous AI Agents
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AI will be used to autonomously launch and defend against cyberattacks, changing the speed and scale of threat response.
Deepfake Fraud
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Expect more incidents involving deepfake impersonations of executives or employees to authorize fraudulent transactions.
Quantum Threats
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Quantum computing may soon challenge current encryption standards, prompting a shift toward quantum-safe cryptography.
Zero Trust Architecture
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Identity-first security and Zero Trust models will become standard, especially for remote and hybrid workforces.
Cybercrime-as-a-Service
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The dark web is fueling the industrialization of cybercrime, making it easier for attackers to buy tools and launch attacks.
Cloud & SaaS Vulnerabilities
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Misconfigurations in cloud platforms remain a top breach vector. Cloud-native security tools will be essential
Regulatory Shifts
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New regulations like the EU’s NIS2 and DORA will require better reporting, vulnerability management, and product security.
Tips for Small Businesses to Stay Cyber-Safe
Small businesses often lack the resources of larger enterprises, but there are practical steps they can take:
- Enable Multi-Factor Authentication (MFA): Add an extra layer of protection to email, banking, and cloud accounts.
- Train Employees on Phishing Awareness: Regularly educate staff on how to spot suspicious emails and links.
- Keep Software Updated: Apply patches and updates promptly to close known vulnerabilities.
- Back Up Data Regularly: Use secure, offsite backups to protect against ransomware and data loss.
- Use a Password Manager: Encourage strong, unique passwords across all accounts.
- Implement Endpoint Protection: Use antivirus and anti-malware tools on all devices.
- Review Cyber Insurance Coverage: Ensure your policy reflects current risks and includes breach response support.
How We Can Help
VGM Insurance has a commitment to exceptional customer service and proactive risk management. We believe that keeping our insureds informed about the latest cybersecurity trends is essential to helping them stay protected in an increasingly digital world. We’re here to support our clients every step of the way. Cybersecurity is foundational to business resilience, and we’re proud to be a trusted partner in helping businesses navigate these evolving challenges. Let’s use this Cybersecurity Awareness Month to strengthen our defenses and support each other in navigating the digital risk landscape.
VGM Insurance
