08/31/26

Cyber Risk Is Changing: What Pacific Northwest Manufacturers Should Know

For manufacturers across the Pacific Northwest, cyber risk has become a business risk. A cyber incident can reach far beyond an organization’s computers, potentially affecting production, supply chains, intellectual property, customer relationships, and day-to-day operations.

As manufacturers throughout Oregon, Washington, and the greater Northwest adopt more connected equipment, automated processes, digital platforms, and artificial intelligence (AI), the opportunities for innovation continue to grow. But increased connectivity also creates new risks that manufacturers need to understand.

At Elliott, Powell, Baden & Baker Insurance (EPB&B), we have worked with manufacturers for more than 70 years, from local and subcontract manufacturers to multinational organizations. As a Portland-based independent insurance agency serving businesses throughout the Pacific Northwest, we help manufacturers evaluate changing risks and build insurance programs around their operations.

Today, that conversation increasingly includes cyber risk.

Cybersecurity Is About More Than Protecting Data

When businesses hear “cyberattack,” they often think first about stolen customer information or compromised computer systems. For manufacturers, the potential consequences can be much broader.

Modern manufacturing operations often depend on interconnected technology. Production equipment, inventory systems, vendors, employees, customers, and business systems may all depend on digital connections.

That means a cyber incident has the potential to become an operational disruption.

A manufacturer may need to consider risks involving:

  • Production downtime
  • Ransomware and cyber extortion
  • Intellectual property
  • Customer and employee information
  • Supply chain dependencies
  • Fraud and social engineering
  • Customer and vendor relationships

The specific risks vary considerably from one manufacturer to another, which is why understanding your organization’s individual exposures is an important part of cyber risk planning.

What Happens After a Breach?

One of the most important questions for any business is also one of the hardest to answer:

What would we actually do if we discovered a cyberattack tomorrow?

During a cyber incident, decisions may need to be made quickly. Business leaders may suddenly be coordinating with IT professionals, legal counsel, insurance representatives, forensic investigators, customers, vendors, and other parties.

For a manufacturer, there may also be an immediate question about whether production can continue.

This is why cyber risk management needs to consider more than preventing an attack. Businesses should also think about their ability to respond and recover.

A well-prepared organization understands its critical systems and has a plan for what happens when normal operations are interrupted.

Where Does Cyber Insurance Fit?

Cyber insurance can be an important part of a broader risk management strategy.

Depending on the policy, cyber insurance may provide financial protection and access to specialized resources following a covered cyber event. Coverage can address areas such as incident response, data recovery, legal expenses, cyber extortion, and business interruption.

But cyber policies are not all the same.

Coverage terms, exclusions, limits, security requirements, and available response resources can vary significantly between insurance companies. For manufacturers with complex operations, evaluating a cyber policy requires looking beyond the premium.

At EPB&B, we work with Pacific Northwest manufacturers to understand their operations and evaluate insurance options from multiple markets. The goal is to help businesses understand where insurance fits within their broader approach to managing cyber risk.

Preparation Matters Before an Incident Happens

No cybersecurity program can eliminate every threat.

Technology changes. Businesses change. Cybercriminals change their tactics.

That makes cyber risk management an ongoing process rather than a one-time insurance decision.

As manufacturers add new technology, expand operations, adopt AI, change vendors, or become more digitally connected, their cyber exposures may change as well. Periodically reviewing both cybersecurity practices and insurance coverage can help businesses identify areas that deserve additional attention.

And when an incident does occur, preparation can make a significant difference in how an organization responds.

Exactly what that preparation should look like—and what businesses can learn from companies that have already experienced major cyber incidents—is a much deeper conversation.

Go Behind the Breach at NEDME 2026

On September 23, 2026, Pacific Northwest manufacturers and technology leaders will have an opportunity to take that conversation further at the Northwest Electronics Design & Manufacturing Expo (NEDME).

Justine Avera of Elliott, Powell, Baden & Baker Insurance will present:

Before and After the Breach – Risk Engineering with Cyber Security Insurance

Rather than discussing cyber risk only in theory, Justine will use real-world breach case studies to examine what happens when an organization is actually attacked, from the initial compromise through response and recovery.

She’ll explore the decisions businesses face, where preparation can make a difference, and how cybersecurity planning and cyber insurance can work together when the unexpected happens.

With AI and interconnected technology rapidly changing both manufacturing and the cyber threat landscape, these are conversations Northwest businesses increasingly need to have.

justinecyber

Join Justine Avera and EPB&B at NEDME 2026 on September 23 to go inside the anatomy of a cyber breach and learn what businesses can do before—and after—an attack.

08/17/26

Northwest Wildfire Season: Why an Independent Insurance Agent Matters

Wildfire season is an important reminder for Pacific Northwest homeowners to take a closer look at their homeowners insurance coverage. Rising construction costs, changing property values, home improvements, and evolving wildfire risks can all affect whether the coverage you purchased several years ago is still appropriate today.

At Elliott, Powell, Baden & Baker Insurance, we have helped families in the Pacific Northwest to protect their homes for more than 70 years. As an independent insurance agency, our role goes beyond providing a policy. We help clients understand their coverage, evaluate changing risks, and compare options from multiple insurance carriers.

Before wildfire season intensifies, one of the most important questions Northwest homeowners can ask is: If my home were destroyed today, would my insurance provide enough coverage to rebuild it?

Replacement Cost Is Not the Same as Market Value

A common insurance misconception is that your home’s insurance limit should equal its current market value.

Market value reflects what your home and land might sell for. Replacement cost estimates what it would cost to rebuild the home after a covered loss, including materials, labor, construction expenses, and other factors.

Those numbers can be very different.

After a major wildfire, rebuilding costs can also increase as demand for contractors, labor, and building materials rises. That makes periodically reviewing your dwelling coverage especially important for Oregon homeowners.

Why an Annual Insurance Review Matters

Your home doesn’t stay the same, and neither does the cost to rebuild it.

You should tell your insurance advisor about significant changes such as:

  • A kitchen or bathroom remodel
  • A home addition
  • A new deck or outdoor living space
  • A finished basement
  • A new roof
  • Upgraded flooring, cabinetry, or finishes
  • An accessory dwelling unit (ADU)
  • Other major renovations

If your insurer does not know about improvements, your current coverage limits may not accurately reflect the cost of rebuilding your home.

An annual review gives you and your EPB&B insurance agent an opportunity to update property information and discuss whether your limits still make sense.

Wildfire Risk Can Affect Your Insurance Options

Northwest wildfire exposure has changed the homeowners insurance market, particularly in areas with greater wildfire risk.

Insurance companies may consider factors such as a home’s location, surrounding vegetation, roof and construction materials, access for emergency responders, and proximity to wildfire-prone areas when determining eligibility and pricing.

An independent insurance agent can help homeowners understand these underwriting concerns and determine which insurance companies may be appropriate for their property.

The Independent Agent Advantage

An independent agent is not limited to offering coverage from only one insurance company.

At EPB&B, we work with multiple insurance carriers. This gives our team the ability to evaluate different coverage options and help clients understand differences in limits, deductibles, endorsements, and policy terms.

That flexibility can be particularly valuable as insurance markets change.

The lowest premium is not always the best policy. Our goal is to help clients understand what they are buying and how their coverage may respond when they need it most.

Look Beyond the Basic Dwelling Limit

Replacement cost is important, but homeowners should also understand other parts of their policy that may become important after a wildfire.

These can include:

Extended Replacement Cost: May provide additional coverage above the dwelling limit when rebuilding costs exceed expectations, subject to policy terms and limits.

Ordinance or Law Coverage: May help pay additional costs associated with rebuilding to current building codes after a covered loss.

Debris Removal: May help cover the expense of removing damaged materials following a covered loss.

Additional Living Expenses: May help pay certain increased living expenses if a covered loss makes your home temporarily uninhabitable.

Coverage varies by policy and insurance company, which is another reason reviewing the details, not just the premium, is important.

Don’t Wait Until There’s Smoke in the Air

The best time to review your homeowners insurance is before a wildfire threatens your community.

For more than seven decades, EPB&B has worked with Northwest homeowners through changing insurance markets and unexpected losses. Our team understands that protecting a home isn’t simply about having an insurance policy. It’s about understanding what that policy covers and keeping it aligned with the property you’re protecting.

Before wildfire season, talk with your EPB&B agent about your home’s current replacement cost, recent renovations, coverage limits, deductibles, and available endorsements.

Group Shot

If you haven’t reviewed your homeowners insurance recently, contact the team at Elliott, Powell, Baden & Baker Insurance. We can help you evaluate your current policy, identify potential coverage gaps, and explore options from multiple insurance carriers so you’re better prepared for the unexpected.

08/03/26

Before and After a Cyber Breach: How Cyber Insurance Helps Businesses Navigate the Promise and Perils of AI

Artificial intelligence (AI) is transforming how businesses operate. From streamlining manufacturing processes and improving quality control to accelerating product development and strengthening customer service, AI is helping organizations work more efficiently than ever before.

For companies in Oregon and Washington’s technology, electronics, and manufacturing sectors, AI presents tremendous opportunities for innovation. However, it also introduces new cybersecurity challenges that every business should understand.

At Elliott, Powell, Baden & Baker Insurance (EPB&B), we work with businesses to identify emerging risks and develop insurance strategies that help support business continuity. As cyber threats continue to evolve, particularly with the rapid adoption of AI, cyber insurance has become an increasingly important part of a comprehensive risk management program.

AI Is Changing Both Sides of Cybersecurity

AI is a powerful business tool when used responsibly. Organizations are leveraging it to:

  • Automate repetitive tasks
  • Improve operational efficiency
  • Analyze large volumes of data
  • Detect potential security threats faster
  • Support better business decisions

At the same time, cybercriminals are using many of these same technologies to make attacks more sophisticated.

AI can be used to:

  • Create highly convincing phishing emails
  • Automate cyberattacks at a larger scale
  • Identify software vulnerabilities more quickly
  • Develop realistic voice and video impersonations
  • Increase the speed and complexity of ransomware attacks

The technology itself is not the threat. Rather, it is how bad actors exploit these tools that is changing today’s cybersecurity landscape.

Cybersecurity Requires More Than Technology

Firewalls, endpoint protection, employee training, and multi-factor authentication remain essential cybersecurity practices. However, no organization can eliminate cyber risk entirely.

Cybersecurity today is about building resilience, preparing your organization to prevent attacks whenever possible and recover quickly when an incident occurs.

This is where cyber insurance plays an important role.

Cyber Insurance Helps Before a Breach

Many businesses think of cyber insurance only after a cyberattack. In reality, many policies include resources that can help reduce risk before an incident ever happens.

How Cyber Insurance Helps After a Breach

Even organizations with strong cybersecurity programs can experience an attack.

When a breach occurs, cyber insurance may help businesses recover by providing access to experienced response teams and financial protection for covered losses.

For manufacturers and technology companies, minimizing downtime can be just as important as recovering financial losses. Every hour of operational disruption can affect production schedules, customer commitments, intellectual property, and supply chain relationships.

Cyber Risk Is a Business Risk

Today’s cyber threats extend beyond information technology departments. They affect operations, finance, legal compliance, customer trust, and long-term business continuity.

As AI continues to evolve, organizations should regularly review both their cybersecurity practices and their insurance coverage to determine whether they remain aligned with changing risks.

Learn More at the 2026 NW Electronics Design & Manufacturing Expo

justinecyber

As AI continues to reshape manufacturing, technology, and cybersecurity, staying informed is more important than ever. Business leaders, engineers, and risk managers have an opportunity to explore these topics in greater depth at the 2026 Northwest Electronics Design & Manufacturing Expo (NEDME) on September 23, 2026.

During the conference, Justine Avera of Elliott, Powell, Baden & Baker Insurance will present “Before and After the Breach – Risk Engineering with Cyber Security Insurance.” The session will examine both the opportunities and challenges AI presents for today’s businesses, including how organizations can strengthen cyber resilience before an incident occurs and how cyber insurance can support recovery after a breach.

Attendees will learn about:

  • How AI is changing today’s cyber threat landscape
  • Why cybersecurity and cyber insurance should work together as part of a broader risk management strategy
  • Ways businesses can better protect intellectual property, digital assets, and customer relationships
  • How cyber insurance can help reduce business interruption and support incident response following a cyber event

Whether you’re responsible for product design, IT security, operations, or executive leadership, the session offers practical insights into managing one of today’s fastest-evolving business risks.

If you’ll be attending the NW Electronics Design & Manufacturing Expo, we invite you to join the presentation and connect with the EPB&B team. We look forward to discussing how businesses can prepare for emerging cyber risks while taking advantage of the opportunities AI continues to create.

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