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Cambium Data has been serving the Omaha area since 2009, providing IT Support such as technical helpdesk support, computer support, and consulting to small and medium-sized businesses.
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# Multi-factor Authentication is a Critical Part of Modern Business Insurance
[Cambium Data Blog](https://cambiumdata.directivesites.com/blog/categories/blog) [Best practices](https://cambiumdata.directivesites.com/blog/categories/best-practices)
[Tony Underwood](https://cambiumdata.directivesites.com/blog/blogger/tony-underwood)
Friday, 31 May 2024
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Nowadays, businesses are taking cybersecurity much more seriously. Many insurers require businesses to adhere to specific cybersecurity standards before offering coverage. A key requirement is the implementation of multi-factor authentication (MFA).
Let's discuss what you need to be prepared for and how Cambium Data can assist.
## What is MFA?
Multi-factor authentication (MFA) is a cybersecurity measure that adds additional layers of security to traditional systems.
We're all familiar with the classic username and password combination, which has been used since the advent of networking. It’s like needing a secret knock and a secret word to gain entry.
However, this system is relatively easy to compromise. Cybercriminals can capture credentials through phishing, keylogging, and network snooping.
MFA mitigates this risk by requiring additional authentication steps much harder to replicate or steal.
## How Does Multi-Factor Authentication Work?
MFA requires users to provide extra proof of identity.
Initially, a user presents their identity with a username or secret knock, signaling a request for access. This identity must then be authenticated, traditionally with a password.
In the past, entering the correct password was enough to gain access. MFA, however, demands more proof. Before granting access, an additional factor, like wearing a specific ring, is required. Similarly, MFA demands more than just a password to authenticate an identity.
## What Can Be Used as Authentication in Modern MFA Systems?
Modern MFA systems require additional proof of identity, which can be one of three types:
- Something you know, like a password or passcode.
- Something you have, like access to an account or application.
- Something you are, like biometric data.
While various options exist, some more secure than others. That said, any MFA is better than none, especially if it’s required to insure your business.
### Emailed Codes
This method involves sending a code to the user’s email when an access attempt is made. The user must then provide this code to gain access. It’s simple, but can be effective for businesses willing to check their email before logging into a secured resource.
### SMS Codes
Some platforms send a code via text to the user’s phone, which must be entered to gain access. Despite its simplicity, SMS-based MFA has downsides. Issues can arise if the phone is lost or upgraded, or if the phone number changes. Losing access to the email account can also be very problematic.
### Authentication Applications
Dedicated MFA applications like Google Authenticator, Microsoft Authenticator, and Duo provide a secure way to generate and access MFA codes from a single, secure place. When choosing an app, ensure it allows for device transfers and backups, as Google, Microsoft, and Duo do.
## We’re Here to Help
Neglecting business insurance is not an option, and if it helps make businesses more secure, it's a win-win. If you want to learn more about implementing MFA or have any other IT or cybersecurity questions, we’re here to help. Call us at (402) 514-3200 to learn more.
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About the author
[  ](https://cambiumdata.directivesites.com/blog/blogger/tony-underwood)
[Tony Underwood](https://cambiumdata.directivesites.com/blog/blogger/tony-underwood)
[ ](https://cambiumdata.directivesites.com/blog/blogger/tony-underwood)
Tony Underwood, Founder and President of Cambium Data Inc. has proven himself as one of the top internetworking experts in the industry. Mr. Underwood began his IT career in 1991 in the US Navy working on critical military computer systems. He grew his computer and networking knowledge through a number of different IT jobs from desktop support all the way up to leading the Network Engineering organization of a multi-billion dollar international company. Mr Underwood was recognized as Cisco Certified Internetwork Expert [\#7112](https://connect.directive.com/v4_6_release/services/system_io/Service/fv_sr100_request.rails?service_recid=7112&companyName=Dti) in March of 2001 and in 2022 he achieved the lifetime status of Cisco CCIE Emeritus
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