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Cyber incidents hit one of every 10 U.S. small businesses last year yet only 31 percent of them have cyber insurance, according to the ̽»¨¾«Ñ¡ Information Institute (I.I.I.) and J.D. Power 2018 Commercial Cyber ̽»¨¾«Ñ¡ and Security Spotlight Surveyâ„ . Ten percent of the small businesses surveyed had one or more cyber incidents in 2017, resulting in a typical loss of $188,400, an increase of $73,000 from the year before, according to the J.D. Power 2016 Cyber ̽»¨¾«Ñ¡ Pulse Studyâ„ .