BTS Technologies Partners with Techrug to Revolutionize Cyber Insurance for SMBs
June 16th, 2025 by Roger Wentowski
In an era where cybersecurity threats continue to evolve at an alarming pace, small to mid-sized businesses (SMBs) often find themselves caught between increasingly sophisticated attacks and frustratingly complex insurance policies that may not deliver when needed most. Today, we're proud to announce a game-changing development in cyber protection: BTS Technologies has launched an exclusive cyber insurance program in partnership with techrug that fundamentally transforms how businesses recover from cyber incidents.
The Problem with Traditional Cyber Insurance
For years, the cyber insurance market has been plagued by ambiguous policy language, exclusions buried in fine print, and misaligned incentives that often leave businesses vulnerable precisely when they need protection most. The traditional model creates an adversarial relationship between technology providers and insurers, with clients caught in the middle during claim disputes.
Consider the common scenario: A business experiences a cyber breach. They file a claim with their insurer, only to discover that the insurer believes their Managed Technology Service Provider (MTSP) failed to implement adequate protections. The result? A finger-pointing exercise begins between the insurer and the MTSP while the business waits in limbo - unable to access critical funds needed for recovery.
"One common flaw with most policies is that the MTSP and client are supported by different insurance companies," explains Roger Wentowski, President at BTS Technologies. "When an incident occurs, if the insurer perceives that the MTSP didn't do something properly, they will not pay. Whether or not that actually occurred, the difference in perception is enough to cause costly delays for the client."
Introducing the Dual Claim Innovation
Our partnership with techrug introduces a revolutionary "dual claim coverage" model that fundamentally changes this dynamic. Under this innovative arrangement, both BTS Technologies and our clients are covered directly by techrug if a breach occurs. This alignment of interests eliminates the adversarial relationship that has long plagued cyber insurance claims.
The benefits for our clients are immediate and substantial:
- Faster disbursements - No waiting periods while different insurers argue over responsibility
- Greater coverage certainty - Fewer exclusions and clearer policy language
- Cost savings - In many cases, better coverage at lower premiums
- Immediate business continuity support - Resources deployed without delay
- Simplified claims process - One insurer handles the entire incident
Real-World Impact: A Case Study
The advantages of this approach aren't theoretical - they're already delivering tangible benefits. A local company previously paid $9,000 annually for $1 million in cyber protection, but their policy contained significant limitations and ambiguities. After implementing our new program with techrug, they now pay just $7,000 for enhanced $1 million coverage that includes the dual claim model. That's a 22% cost reduction for substantially better protection.
More importantly, this client now has complete confidence that in the event of a breach, funds will be disbursed immediately to keep their business operational - regardless of the initial uncertainty around the cause of the incident. This peace of mind is invaluable in today's high-risk cyber landscape.
The Technology Behind the Coverage
This exclusive program wasn't created in a vacuum. BTS Technologies' proprietary "technology stack" underwent rigorous scrutiny by techrug's security experts before being approved. Our comprehensive cybersecurity approach combines multiple layers of protection that significantly reduce the likelihood of successful breaches:
Our cyber security and network monitoring services operate 24/7, identifying and responding to threats before they can impact business operations. This proactive stance is strengthened by our reliable backup and business continuity solutions that ensure rapid recovery even in worst-case scenarios.
For organizations in regulated industries, our HIPAA/HITECH compliance capabilities, aligned with NIST and CIS frameworks, provide both security and regulatory peace of mind. This is particularly crucial as regulatory penalties following breaches continue to increase in severity.
Beyond Technology: The BTS Approach
While advanced technology forms the foundation of our security offerings, BTS Technologies' approach extends far beyond implementing tools. Since our founding in 1976, when it first became legal for private organizations to buy and sell telecom equipment in the United States, we've understood that the real service is not in selling equipment but in helping our customers effectively use technology.
This philosophy guides our approach to cybersecurity and insurance. We recognize that technical solutions alone aren't enough - organizations need strategic guidance, staff training, and clear processes to maximize their security posture. That's why our services include Tech Utilization & Training components designed to empower your team to become an active part of your security defense.
Our Virtual CIO practice brings enterprise-grade strategic technology planning to organizations of all sizes. This service ensures that cybersecurity isn't treated as a standalone concern but is integrated into broader business goals and operations.
Why Insurance Matters in a Comprehensive Security Strategy
Even with the most robust preventive measures in place, the reality of today's threat landscape means that cyber incidents remain a significant risk. The sophistication of modern attackers, combined with the inherent complexity of IT environments, makes perfect security an unattainable goal. This is why cyber insurance forms a crucial part of a comprehensive security strategy.
However, not all cyber insurance is created equal. The standard policies available in the market today often contain complex exclusions that can be used to avoid or delay payouts. These policies might exclude coverage for certain types of attacks, impose unrealistic security requirements, or deny claims based on technical interpretations of policy language.
Our partnership with techrug eliminates these concerns by providing clear, comprehensive coverage that encompasses:
- Costs related to forensic investigations
- Customer notification expenses
- Equipment damage and replacement
- Lost income during business interruption
- Regulatory penalties and compliance costs
"Cyber insurance should provide true peace of mind, and frankly, we don't understand how anyone else can promise peace of mind without aligning incentives via 'dual claim,'" notes Wentowski.
The Cloud Migration Factor
As organizations increasingly move operations to cloud environments, new security challenges and requirements emerge. BTS Technologies' cloud migration strategies incorporate security planning from the earliest stages, ensuring that security isn't an afterthought but a foundational element of any cloud deployment.
This approach is particularly valuable when considering how cloud security responsibilities affect cyber insurance coverage. Many traditional policies fail to adequately address the shared responsibility model inherent in cloud computing, potentially leaving significant coverage gaps. Our dual claim model with techrug accounts for these modern deployment scenarios, providing coverage that aligns with how businesses actually operate today.
Communications Security: Often Overlooked, Critically Important
As a company with deep roots in telecommunications - reflected in our original name, Business Telephone Systems - we understand the critical importance of communications security. Our best-in-class VoIP solutions incorporate robust security measures that protect this often-overlooked but critically important channel.
Voice communications systems can serve as entry points for cyber attacks or be targets themselves for toll fraud and service disruption. Our integrated approach ensures that voice systems receive the same level of security attention as data networks, and our insurance coverage through techrug explicitly includes these systems - something many standard policies exclude or limit.
Core Values in Action
This innovative insurance program is a direct reflection of BTS Technologies' core values in action:
We Solve Partner Problems: By addressing the frustrating limitations of standard cyber insurance, we're solving a significant pain point for our business partners.
We Are Process Driven: Our approach to both security implementation and insurance coverage is built on systematic, repeatable processes that deliver consistent results.
We Are Team Players: The dual claim model creates true alignment between BTS Technologies, our clients, and the insurer - we're all working toward the same goal.
We Have Follow Through: When we promise protection, we deliver it - without exceptions, exclusions, or delays.
These values have guided BTS Technologies for over three decades, allowing us to build lasting partnerships with our customers by consistently delivering solutions that make them more successful.
The TAG Advantage
Our membership in Technology Assurance Group (TAG) enhances our ability to deliver exceptional value. This partnership allows BTS Technologies to leverage \$500 million in purchasing power, ensuring our customers receive the best value on equipment, carrier services, and programs to help control technology costs.
This purchasing advantage extends to our cyber insurance offerings. By working collectively with other TAG members, we've been able to negotiate exceptional terms with techrug that would be unavailable to individual providers or directly to end clients.
A Proactive Approach to Evolving Threats
Cybersecurity is never static. Threats evolve constantly, and protection strategies must evolve with them. BTS Technologies' proactive 24/7 support monitoring ensures that our clients benefit from continuous vigilance and immediate response capabilities.
This proactive stance extends to our insurance program as well. Unlike traditional policies that may remain static until renewal, our partnership with techrug includes regular security assessments and evolving coverage terms that adapt to the changing threat landscape. This ensures that coverage remains relevant and effective even as new attack vectors emerge.
Taking the Next Step
Businesses need partners who can provide both robust technical protection and financial security in the event of an incident. BTS Technologies' exclusive cyber insurance program with techrug delivers precisely this combination, eliminating the common frustrations and limitations of traditional cyber insurance.
By aligning incentives through the dual claim model, we've created an insurance solution that truly delivers on the promise of peace of mind. When combined with our comprehensive security technologies and proactive support approach, this program represents the most complete cyber protection solution available to small and mid-sized businesses today.
If your organization is concerned about the adequacy of your current cyber protection - both technical and financial - we invite you to reach out for a consultation. Our team can evaluate your current security posture and insurance coverage, identifying potential gaps and demonstrating how our innovative approach can provide superior protection at a competitive cost.
Cyber resilience isn't optional - it's essential. BTS Technologies is committed to providing our clients with the tools, expertise, and financial protection they need to thrive in this challenging environment.
Posted in: Cyber Security, Solutions
