It always starts the same way. An employee clicks a link in what looks like a legit email from Microsoft. Five minutes later, systems freeze. Files get encrypted. A pop-up appears, demanding ransom in cryptocurrency.
For small and medium-sized businesses, this nightmare is becoming more common. In fact, over half of all cyberattacks now target SMBs—companies that often lack full-time IT teams or robust incident response plans.
Many of them rely on tools like Microsoft 365 and Windows Defender, assuming these are enough. But here’s the hard truth: they aren’t.
Trusting Microsoft 365 and Windows Defender? Think Again
Let’s talk about those assumptions. There’s a widely held belief that Microsoft 365 automatically backs up all your company’s data. So if someone deletes an important file, it’s no big deal—right? Not quite.
While Microsoft ensures that their cloud infrastructure stays available and secure, the actual responsibility for protecting your business’s data—backups, access controls, and recovery—is entirely on you.
Then there’s Windows Defender. It’s come a long way and is now a capable antivirus tool built right into Windows. But if you think that means you’re fully covered, you could be setting yourself up for disappointment.
Defender can’t replace a full security strategy. It needs to work alongside email filtering, firewalls, multi-factor authentication, and yes, employee training.
Read More: Why is Windows Defender Alone an Insufficient Cybersecurity Solution?
Cloud Myths That Cost Businesses Millions
It doesn’t help that a lot of people still think the cloud itself is risky—like somehow storing data in Microsoft 365 is less secure than keeping it on an in-house server.
But when you look at the actual security protocols Microsoft uses—things like data encryption at rest and in transit, advanced threat protection, and continuous monitoring—it often surpasses what most SMBs can afford to implement on-premises.
Yet despite all this, many companies still believe antivirus software will slow down their systems or that a firewall is all they really need.
These outdated ideas leave businesses exposed to modern threats that move quickly and quietly.
Today’s attacks don’t just come from malware—they come from within cloud apps, through compromised credentials, and through human error.
Relying on any single solution is a risky game.
What Happens When the Tools You Trust Fail?
This is where something new is changing the landscape. It’s called cyber attack warranty coverage—and it works like a safety net when all else fails.
Instead of waiting until disaster strikes and hoping your insurance provider covers the damage (after weeks of paperwork), a cyber warranty reacts instantly.
If an attack slips past your Microsoft Defender or enters through a Microsoft 365 vulnerability, a platform like DLT Alert detects the breach and immediately triggers a financial payout.
You don’t need to prove negligence. You don’t need to battle through red tape. The coverage is embedded directly into your security environment, watching for bypass events in real-time.
And what’s more, DLT Alert is now rolling out ransomware warranty coverage specifically tailored to Microsoft 365 and Windows Defender users.
That means if your business relies on Outlook, OneDrive, SharePoint, or Teams—and let’s be honest, who doesn’t these days—you can have a financial buffer ready the moment those tools are compromised.
A Game-Changer for ERM Firms
It’s not just beneficial for small businesses. For enterprise risk management (ERM) consultants, DLT Alert offers a way to finally connect the dots between cybersecurity posture and financial exposure.
Traditionally, ERM firms have had a tough job—advising clients on how to reduce cyber risk, while rarely being able to prove the ROI of their recommendations. But now, with real-time threat monitoring tied to actual financial warranties, consultants can show in dollars and cents how much risk has been reduced—or what could’ve been lost without protection.
Imagine an ERM team overseeing cybersecurity for a portfolio of 100 businesses. With DLT Alert, they can see all client environments in a single dashboard—who’s vulnerable, who’s protected, and who’s triggering risk alerts.
They’re not just reacting to breaches anymore; they’re anticipating them. And when something does go wrong, the warranty system pays out without delay, giving those consultants tangible results to bring to the next client meeting.
Bringing Financial Resilience to the Frontline
This level of visibility and financial alignment isn’t just smart—it’s necessary. Because as the threat landscape evolves, businesses need more than good advice. They need backup plans that actually pay.
So whether you’re an SMB hoping to avoid your first major ransomware scare, or an ERM firm managing risk across hundreds of companies, the lesson is the same: the tools you rely on—like Microsoft 365 and Windows Defender—are essential, but they’re not infallible. And if you don’t have a plan for what happens when they fail, you’re gambling with your bottom line.
Cyber attack warranty coverage won’t prevent every attack. But it will give you breathing room when the worst happens. And that can mean the difference between a bad day—and a business-ending one.
Also Read: Proactive Solutions: How Network Security Warranties Can Troubleshoot Cyber Threats
