Cyber insurance is going up. Push the rate back down.

MFA is no longer optional

Every account that can be protected with multi-factor authentication should be.

EDR, not just antivirus

Endpoint Detection & Response watches behaviour, not signatures — and responds in real time.

Immutable backups

Ransomware loves to encrypt backups. Immutable storage prevents that — this single feature is worth the upgrade.

Patching, properly

An automated patching program for OS and third-party software.

Security awareness training

Phishing is still #1. Quarterly training plus simulated phishing brings click rates down dramatically.

Documentation

Written incident response, BCP, acceptable-use policies. Doesn't need to be long — just current.