Pointing to research from Wakefield Research and Carbonite that found 39 percent of Americans admit never trying to back up their files, Investopedia recently stressed the importance of purchasing digital insurance.

Businesses need to protect their networks to make sure their critical data is secure, which is why Investopedia provided some types of policies businesses can invest in to protect their digital files.

Business interruption insurance covers businesses that sell items online, while general liability insurance protects businesses of all sorts from a negligence lawsuit.

Crisis communication insurance covers businesses that face costs related to reputation repair after a data breach or loss, while network security property loss insurance helps business pay for IT professionals to fix the problems caused by hacking.

An insurance provider in Massachusetts is adjusting to the times by recently opening a digital insurance office, available to anyone 24 hours a day, seven days a week, reported the Sentinel & Enterprise.

“The first thing people do today is go to the web when they want information, whether it’s buying a new car, finding a recipe or shopping for insurance,” Tom Bagley, president of the insurance agency, told the news source.