Many advisers don’t realize cyber coverage doesn't protect them when claims are made for wire transfer mistakes or fraud. (Credit: MQ-Illustrations/Adobe Stock)

Nothing shatters peace of mind quite like believing that you are protected from a circumstance, only to find out that you are more vulnerable than you think.

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Brian Francetich

Brian Francetich is director of Golsan Scruggs RIA, a corporate insurance brokerage firm serving the financial services industry.