Now with Russia attacking Ukraine, there will be more & more dark web attacks on small business in US. If your business takes credit cards, stores client information of any kind, you are vulnerable to these attacks.
A real life example: An accountant prepared a tax return for a client and her assistant then sent the tax return to the wrong email address. When the client called for an update on her return, it was discovered that the email did, in fact, go to the wrong address. The client then sued and the accountants CYBER LIABILITY paid for the costs to defend the lawsuit and paid the damages too.