While this headline certainly sounds like you shouldn't be getting the insurance or you will be targeted more it turns out that you really should be getting the insurance and adhering to the the recommendations for increasing your security stance. We like Sophos's MDR Complete product for a more robust product for this purpose for both your workstations and your servers. When you add in some of our other tools that we recommend your protection increases considerably because of the multilevel approach we design.
Training is another key component of protection. Awareness and recognition of potential threats will go a long way to preventing malware issues. There was a time when we were asked why do people create malware but when combined as a ransomeware product the reason is plain and simple, for money! Because of the increase of company's security initiatives, there has been a significant decrease in the payment of ransoms from 85% at the beginning of 2019 to 45% in the first quarter of 2023. Companies are listening and implementing the proper backups and blocks to ransomware that seem to be helping with the need to pay out as often as they did before.
I would suggest taking a look at this article to give you more insight into the protection and insurance levels you should be considering and talk to our security design experts to work with you on developing the proper package for you.