Sunday, October 18

Nelson Chamisa Scared To Lead From The Front

SOME MDC Alliance bigwigs are said to be making a determined push to have the coalition's firebrand deputy national chairperson, Job "Wiwa" Sikhala, expelled for his radical political activities and dogged opposition to Zanu-PF and its government.

The sources who spoke to the Daily News said senior Alliance officials had recently discussed Sikhala's jettisoning in the party's standing committee (SC) WhatsApp group of which the combative Zengeza West MP is a member.

Contacted for comment, Sikhala would neither deny nor confirm the move to expel him saying if there were such moves he would respond to them after he had dealt with his current travails with authorities.

All this comes as the government has come under intense local, regional and international pressure over allegations of human rights violations by security forces following the foiled July 31 mass protests which Sikhala was part of the organisers.

It also comes after South Africa President Cyril Ramaphosa recently dispatched a team of envoys to meet with President Emmerson Mnangagwa over his administration's handling of its critics.

Sources told the Daily News that among the MDC Alliance bigwigs who allegedly wanted to see the back of Sikhala were secretary-general Chalton Hwende who apparently features in the referenced SC WhatsApp group messages.

"Wiwa is in trouble with the powers that be in the party. This is why no one is making a real effort within to fight for him with regards to his current victimisation by the government. Some even want him to be arrested.

"Some of (Nelson) Chamisa's closest allies such as Hwende are also accusing Sikhala of using confrontational means to force Mnangagwa into dialogue.

"They view his role in the July 31 movement as a sign that the likes of him and other hardliners in the party no longer see dialogue as an option, which the party is open to.

"Sikhala is aware of the moves, but he maintains that the July 31 movement is a people's initiative and above political parties as it even has the support of some Zanu-PF bigwigs," one of the sources told the Daily News.

Another source said Sikhala was being viewed as a threat to Chamisa because of his audacious call for the removal of Mnangagwa and his government from power via mass protests.

"The feeling among many is that Chamisa is afraid to lead from the front, and his close lieutenants are aware of hard questions that have once again been asked of him regarding the July 31 protests.

"The more Sikhala and the likes of Tendai Biti continue to take an aggressive approach against Mnangagwa and Zanu-PF, the more question marks on Chamisa's leadership hence their push for Sikhala's expulsion," another source told the Daily News.

This is not the first time that Sikhala has crossed swords with some MDC Alliance bigwigs.

Two months ago, Chamisa barred Sikhala and some of his other most loyal associates including his vice presidents Tendai Biti and Lynette Karenyi-Kore from speaking to the media.

Then, the gag order came after Biti and Sikhala had featured prominently in the independent press, especially the Daily News at a time that Chamisa was  looking increasingly out of his depth in terms of giving direction to the embattled Alliance in its fight with Thokozani Khupe's group.

At the time, Hwende said the gag order was consistent with the MDC Alliance's constitution.

"Regarding communication, the correct position is that we are coming up with a social media protocol for the party because we cannot regulate individuals' social media accounts.

"We can only manage the party's and the constitution is clear that only the president, the secretary-general, his deputy and the spokesperson speak on behalf of the party," Hwende told the Daily News then.

Yesterday, Sikhala said if there were moves to expel him from the Alliance, he would deal with them once he had finished mobilising further mass action.

"I am currently worried about our people who are being attacked left, right and centre, including myself, and who are living in bushes running away from persecution.

"If ever anything like that is happening (moves to expel him), I will see to that when I come out.

"I accepted the role to be with others in the quest for a corruption-free and looting-free society when people sharing the same vision with me invited me," Sikhala told the Daily News.

"When I accept that I will stand with you, I don't betray you later. I promised my colleagues … who are also under siege like me that we shall stand together with the people of Zimbabwe and I don't betray what I promised.

"The demonstrations were basically citizen driven and I agreed to be one of their spokespersons. I could have been at my Law Chambers making money, but people's interests supersede my personal interests," Sikhala said further.

In a statement that he issued earlier, Sikhala had appeared to hint about the divisions in the MDC Alliance over his role in the protests.

"The 31st July Movement is a Convergence Initiative of Citizens on critical and urgent issues of national concern affecting the lives and livelihoods of ordinary Zimbabweans.

"The 31st July Movement has broad based constituencies of all citizens, across the political divide, including those in Zanu-PF who are not happy with the deplorable state of affairs pervading our country.

"It is wrong and crass for anyone to associate my position in the MDC Alliance with my role in this all-inclusive and broad based movement of citizens," Sikhala said.

"I am not playing my role on the instructions of my party position but the role allocated to me by the stakeholders driving the 31st July Movement.

"Therefore when I speak, I am speaking on behalf of the broad citizens not on behalf of any political party.

"This is because citizen interests cut across the political divide. That is the objective of the 31st July Movement: to unite all our citizens.

"Zimbabwe needs unity today beyond political colour than at any given time," he added.

All this comes as the government has been accused of launching a brutal crackdown against the organisers of last month's flopped mass protests.

Rights groups have said dozens of opposition figures and activists have been tortured and assaulted in a retributive exercise by suspected security agents.

On its part, the government has refuted the allegations claiming instead that the opposition is allegedly working with foreigners to destabilise the country.

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Info News

Best Cyber Insurance Policies for Small Businesses in 2026

Cyber insurance is no longer something only giant corporations worry about. Small businesses are getting hit with ransomware attacks, phishing scams, AI-driven fraud, and customer data breaches almost daily. One attack can freeze your operations, destroy customer trust, and cost thousands overnight.

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That’s why more business owners are searching for the best cyber insurance policies for small businesses in 2026. The problem? Most policies look similar on the surface. The details hidden in the fine print are what really matter.

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Let’s break down what actually protects your company and what could leave you exposed when things go bad.

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Why Small Businesses Are Major Cyberattack Targets

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A lot of owners think hackers only chase Fortune 500 companies. That’s completely wrong.

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Small businesses are often easier targets because:

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  • Security systems are outdated
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  • Employees receive little cybersecurity training
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  • Backup systems are weak
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  • Multi-factor authentication is missing
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  • Owners assume “it won’t happen to us”
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Hackers know smaller companies usually pay faster after an attack. They also know many businesses cannot survive extended downtime.

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That’s exactly why cyber insurance providers are aggressively targeting this market in 2026.

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What Cyber Insurance Actually Covers

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Not every cyber insurance policy covers the same risks. Some policies sound impressive but leave dangerous gaps.

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A strong cyber insurance policy for small businesses should include:

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Data Breach Coverage

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This helps pay for:

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  • Customer notifications
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  • Credit monitoring services
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  • Legal expenses
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  • Regulatory fines
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  • PR and reputation management
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If customer records leak, costs rise fast.

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Ransomware Protection

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Ransomware claims are exploding in 2026.

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The best cyber insurance policies may cover:

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  • Ransom payments
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  • Negotiation specialists
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  • Data recovery
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  • Business interruption losses
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  • System restoration
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Some insurers now require strict cybersecurity controls before approving ransomware coverage.

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Business Interruption Coverage

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If your systems go down for several days, revenue stops.

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This coverage helps replace lost income while your business recovers.

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For online businesses, SaaS companies, medical clinics, and financial firms, this can be the most important part of the policy.

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Best Cyber Insurance Features to Look for in 2026

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Cyber threats are changing quickly. Insurance companies are adjusting requirements every year.

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Here’s what smart business owners should prioritize.

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Multi-Factor Authentication Requirements

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Most insurers now require MFA.

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If your business does not use it, your claim could be denied.

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That catches many owners by surprise.

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Before buying coverage, ask:

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  • Does the policy require MFA for all employees?
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  • Are remote workers included?
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  • Are privileged accounts protected?
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Never assume you’re covered without verifying this.

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AI Fraud and Social Engineering Protection

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AI-generated scams are becoming more sophisticated.

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Employees receive fake invoices, cloned voices, and realistic phishing emails that look legitimate.

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Some cyber insurance policies exclude social engineering attacks unless you purchase additional protection.

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That extra coverage matters more now than ever.

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Vendor and Third-Party Coverage

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Your vendors can become your biggest weakness.

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If a payment processor, payroll company, or cloud storage provider gets breached, your business may still face lawsuits and downtime.

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The best cyber insurance policies for small businesses include third-party liability protection.

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How Much Cyber Insurance Costs in 2026

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Pricing depends on several factors.

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Insurers usually evaluate:

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  • Company revenue
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  • Industry risk level
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  • Security controls
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  • Number of customer records stored
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  • Prior claims history
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  • Employee cybersecurity training
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A small local business may pay a few hundred dollars monthly.

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Healthcare providers, financial firms, law offices, and eCommerce brands often pay much more because their data is more valuable.

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Common Mistakes Businesses Make When Buying Cyber Insurance

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This is where many owners get burned.

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They buy the cheapest policy and assume they’re fully protected.

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That approach can backfire badly.

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Ignoring Exclusions

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Some policies exclude:

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  • Insider attacks
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  • Unpatched systems
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  • Employee negligence
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  • Cryptocurrency losses
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  • Social engineering fraud
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Always read exclusions carefully.

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Choosing Low Coverage Limits

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Cyberattacks can become expensive very quickly.

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Legal fees alone may exceed your policy limits.

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A cheap plan with weak coverage limits may not help much during a major breach.

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Failing Security Audits

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Insurers increasingly require:

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  • Endpoint protection
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  • Employee training
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  • Backup systems
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  • Password management
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  • Incident response plans
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If your business fails to maintain these controls, claims can become complicated.

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Industries Paying the Highest Cyber Insurance Premiums

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Certain industries face much higher risks.

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These include:

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  • Healthcare
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  • Financial services
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  • Law firms
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  • SaaS companies
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  • eCommerce brands
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  • Government contractors
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  • Manufacturing companies
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Advertisers heavily target these sectors, which is why cyber insurance keywords often generate extremely high CPC rates.

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What Smart Business Owners Are Doing Differently

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The companies getting the best rates usually combine insurance with strong cybersecurity practices.

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They:

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  • Train employees regularly
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  • Use advanced endpoint protection
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  • Run phishing simulations
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  • Maintain secure backups
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  • Monitor network activity
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  • Work with cybersecurity consultants
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Insurance companies reward businesses that reduce risk.

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That means lower premiums and stronger protection.

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Final Takeaway

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The best cyber insurance policies for small businesses in 2026 do much more than cover data breaches. They help businesses survive financially after ransomware attacks, downtime, lawsuits, and AI-driven fraud.

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If you wait until after an attack happens, it’s already too late.

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Smart business owners are reviewing their cybersecurity strategy now, strengthening weak areas, and choosing coverage that actually matches modern threats.

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The businesses that survive cyber incidents are usually the ones that prepared before disaster struck.

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FAQ

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Is cyber insurance worth it for small businesses?

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Yes. Even a small ransomware attack or customer data breach can cost thousands in recovery expenses, legal fees, and downtime.

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Does cyber insurance cover ransomware payments?

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Some policies do, but coverage depends on the insurer and your security controls.

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How much cyber insurance coverage does a small business need?

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Coverage needs vary by industry, customer data exposure, and annual revenue.

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Can a cyber insurance claim be denied?

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Yes. Claims may be denied if businesses fail to follow required cybersecurity practices.

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Which industries need cyber insurance the most?

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Healthcare, financial services, law firms, SaaS companies, and eCommerce businesses face some of the highest cyber risks.

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Business Liability Insurance for Small Businesses

Business Liability Insurance for Small Businesses

Every business faces risk. A customer could slip and fall, a product could cause damage, or a client could claim your service caused financial loss. Business liability insurance helps protect small businesses from costly claims and lawsuits.

The most common type is general liability insurance. It may cover bodily injury, property damage, personal injury, advertising injury, and legal defense costs.

Why Small Businesses Need Coverage

Without small business insurance, one lawsuit could create major financial problems. Even if your business did nothing wrong, legal defense costs can be expensive.

Businesses that rent office space, work with clients, sell products, or operate in public should consider liability coverage.

Types of Commercial Insurance

Commercial insurance may include general liability, professional liability, workers compensation, commercial auto, cyber liability, and property insurance. The right policy depends on your industry and risk level.

Final Thoughts

Business liability insurance is an important part of protecting your company. Before buying a policy, compare business insurance quotes and make sure the coverage matches your operations.