But in a world where companies and individuals are more reliant on technology than ever before, how can we police, protect and prevent these kinds of attacks? And, more importantly, how should people react and respond if they believe their personal data has come under threat?

IB sat down with Tamara Ashjian, vice president of cyber and tech claims & litigation at Tokio Marine HCC - Cyber & Professional Lines Group (CPLG), a member of the Tokio Marine HCC group of companies based in Houston, Texas. Ashjian deals with the claims of commercial businesses and personal cyber for high-net-worth individuals (HNW) every day. What she sees most often isn't some high-tech hack or exotic malware - it's something far simpler and far more devastating.