Passwords are used in many ways to protect data, systems and networks. They are used to authenticate users of operating systems (OS) and applications such as email, labor recording, and remote access. Passwords are also used to protect files and other stored information, such as password-protecting a single compressed file, a cryptographic key, or an encrypted hard drive. In addition, passwords are often used in less visible ways; for example, a biometric device may generate a password based on a fingerprint scan, and that password is then used for authentication.

Password Management

Effective password management reduces the risk of compromise of password-based authentication systems. Organizations need to protect the confidentiality, integrity and availability of passwords so that only authorized users can use passwords successfully as needed. Integrity and availability should be ensured by typical data security controls, such as using access control lists to prevent attackers from overwriting passwords and having secured backups of password files.

Ensuring the confidentiality of passwords is considerably more challenging and involves a number of security controls along with decisions involving the characteristics of the passwords themselves. For example, requiring that passwords be long and complex makes it less likely that attackers will guess or crack them, but it also makes the passwords harder for users to remember. This increases the likelihood that users will store their passwords insecurely and expose them to attackers.

Organizations should be aware of the drawbacks of using password-based authentication. There are many types of threats against passwords, and most of these threats can only be partially mitigated. Also, users are burdened with memorizing and managing an ever-increasing number of passwords. Although the existing mechanisms for enterprise password management can somewhat alleviate this burden, they each have significant usability disadvantages and can also cause more serious security incidents because they permit access to many systems through a single authenticator. Therefore, organizations should make long-term plans for replacing or supplementing password-based authentication with stronger forms of authentication for resources with higher security needs.

Organizations should make long-term plans for replacing or supplementing password-based authentication with stronger forms of authentication for resources with higher security needs.

Authentication can involve something the user knows (e.g., a password), something the user has (e.g., a smart card), or something the user “is” (e.g., a fingerprint or voice pattern). Single-factor authentication uses only one of the three forms of authentication, while two-factor authentication uses any two of the three forms and three-factor authentication uses all three forms.

Using multiple factors makes it more difficult for someone to gain unauthorized access to the system—it’s easier to either discover a user’s password or steal the user’s smart card than it is to both steal the smart card and discover the user’s password. To meet various security and operational needs, the selection of authentication methods varies among systems, but passwords are the most commonly used authentication method, and are often used both by themselves and with other authentication factors.

Protecting Your Passwords

Organizations should implement the following recommendations to protect the confidentiality of their passwords:

  • Create a password policy that specifies all of the organization’s password management-related requirements. Password management-related requirements include password storage and transmission, password composition, and password issuance and reset procedures. In addition, organizations should also take into account applicable mandates (e.g., Federal Information Security Management Act of 2002 (FISMA)), regulations and other requirements and guidelines related to passwords. An organization’s password policy should be flexible enough to accommodate the differing password capabilities provided by various OSs and applications. Organizations should review their password policies periodically, particularly as major technology changes occur (e.g., new OS) that may affect password management.
  • Protect passwords from attacks that capture passwords. Attackers may capture passwords in several ways, each necessitating different security controls. For example, attackers might attempt to access OS and application passwords stored on hosts, so such passwords should be stored using additional security controls, such as restricting access to files that contain passwords and storing one-way cryptographic hashes of passwords instead of the passwords themselves. Passwords transmitted over networks should be protected from sniffing threats by encrypting the passwords or the communications containing them, or by other suitable means. Users should be made aware of threats against their knowledge and behavior, such as phishing attacks, keystroke loggers and shoulder surfing, and how they should respond when they suspect an attack may be occurring. Organizations also need to ensure that they verify the identity of users who are attempting to recover a forgotten password or reset a password, so that a password is not inadvertently provided to an attacker.
  • Configure password mechanisms to reduce the likelihood of successful password guessing and cracking. Password guessing attacks can be mitigated easily by ensuring that passwords are sufficiently complex and by limiting the frequency of authentication attempts, such as having a brief delay after each failed authentication attempt or locking out an account after many consecutive failed attempts. Password cracking attacks can be mitigated by using strong passwords, choosing strong cryptographic algorithms and implementations for password hashing and protecting the confidentiality of password hashes. Changing passwords periodically also slightly reduces the risk posed by cracking. Password strength is based on several factors, including password complexity, password length and user knowledge of strong password characteristics. Organizations should consider which factors are enforceable when establishing policy requirements for password strength, and also whether or not users will need to memorize the passwords.
  • Determine requirements for password expiration based on balancing security needs and usability. Many organizations implement password expiration mechanisms to reduce the potential impact of unauthorized password use. This is beneficial in some cases but ineffective in others, such as when the attacker can compromise the new password through the same keylogger that was used to capture the old password. Password expiration is also a source of frustration to users, who are often required to create and remember new passwords every few months for dozens of accounts, and thus tend to choose weak passwords and use the same few passwords for many accounts. Organizations should consider several factors when determining password expiration requirements, including the availability of secure storage for user passwords, the level of threats against the passwords, the frequency of authentication (daily versus annually), the strength of password storage and the effectiveness or ineffectiveness of password expiration against cracking.

Organizations should consider having different policies for password expiration for different types of systems, operating systems and applications to reflect their varying security needs and usability requirements.

Let Us Help You

Passwords are extremely susceptible to theft, and likely safeguard nearly every aspect of your organization. Reach out to the experts at CoverLink Insurance for more resources to keep your computer systems and networks safe from would-be thieves.

Tom Simon

Tom Simon

Chairman of the Board

Tom has worked in the insurance industry since 1977 holding numerous positions from Account Executive and Agency Manager, President to his current role. He combines his unique ability of thinking differently with his wealth of insurance and business experience to propel CoverLink to new levels of success.

In his spare time, he enjoys spending time with his family, especially his grandkids. In addition, he’s also an avid woodsman… yes, you read that correctly. He can often be found yelling “timber” or just splitting firewood for family and friends.

 

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Matt Simon

President

Prior to joining the team at CoverLink in 2006, Matt worked as an Underwriter with a multi-state insurance company located in Columbus, Ohio. Matt is a Certified Insurance Counselor (CIC) and Chartered Property and Casualty Underwriter (CPCU), having successfully completed the rigorous coursework and exams to earn these designations.

He also serves on the Board of Directors for the Ohio Insurance Agents Association and the Associated Risk Managers of Ohio, in addition to volunteering his time to multiple other community and industry organizations.

In 2013, Matt was awarded and recognized as the National Young Insurance Agent of the Year, and in 2019 he was recognized as the Insurance Advisor of the year by Finance Monthly.

 

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Gina Loehr

Gina Loehr

Senior Account Manager

Gina oversees the Commercial Lines division at CoverLink, which is responsible for managing the business insurance needs for clients.

She has worked in the insurance industry since 1980, beginning as a Commercial Underwriter with a regional company located in Springfield, Ohio.

In 1984, she earned her Certificate in General Insurance, and in 1995, her Accredited Advisor of Insurance designation.

In her spare time, she enjoys spending time with her family, including four grandkids, and biking.

 

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Kyle Carper

Account Manager

Kyle joined the CoverLink team in 2018 as in intern when he was a junior in high school. Shortly after, he began studying to obtain his insurance license, which he passed in 2020 and joined our Personal Lines division.

Kyle helps individuals and families with their home, auto, umbrella and other personal insurance needs, which he thoroughly enjoys.

In his spare time, he enjoys spending time with the ones he loves, watching sports and playing video games.

 

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Tim O’Rielley

Senior Insurance Advisor

Tim works with individuals, families and businesses to design insurance policies perfectly suited to their specific needs.

He has been working in the insurance industry, and with CoverLink, since 1993. As a lifelong resident of Logan County, he’s been involved with a number of community organizations, often taking the leadership role such as President of the Chamber of Commerce, and the United Way.

He’s often found spending as much time as possible with his two daughters, and his grandkids

 

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Mark Osborne

Account Executive

Mark has worked at CoverLink since 2004. He specializes in life and health insurance, where he utilizes his extensive knowledge to help clients make sense of a confusing and ever changing market.

He also holds the Property & Casualty Insurance License, and often helps families as well as small businesses to set up their insurance protection plan.

Mark graciously volunteers his time to several community organizations, and enjoys spending his free time with his family

 

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Leah Loehr

Account Manager

Leah joined the Commercial Lines division at CoverLink in 2012 where she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

Leah is known for her outgoing personality, positive attitude, and relentless pursuit of the goals she sets out to achieve. Clients often rave about her and the service she provides.

In her spare time, Leah enjoys spending time with her family and friends… and she can often be found at the closest Buffalo Wild Wings!

 

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Larry Middaugh

Larry Middaugh, PLCS

Senior Insurance Advisor

Larry joined CoverLink with an extensive background in sales, bringing over 30 years of experience and commitment to taking care of his clients in the banking and mortgage industry.

Larry’s dedication to his clients aligned so well with the CoverLink tradition of relentlessly caring for, and protecting its clients, that he joined the team of Licensed Insurance Advisors in 2015.

Those in need of Personal or Business Insurance are delighted after working with Larry.

Larry defines success as knowing his purpose in life, continuing to grow to reach his fullest potential and sowing seeds that benefit others. He’s a father of three incredible children and husband to an amazing, kind and loving wife.

 

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Tony Fink

Tony Fink, CIC, CLCS

Insurance Advisor

Tony is responsible for serving the needs of individuals and businesses looking for property & casualty insurance. In addition, he’s licensed and capable of advising clients that desire life insurance protection.

He’s a Certified Insurance Counselor (CIC) and a Commercial Lines Coverage Specialist (CLCS), having successfully completed the rigorous coursework and exams to earn these designations.

Tony entered the insurance industry in 2008 bringing a diverse background of experience and knowledge to his Account Executive position with CoverLink.

In his free time, Tony enjoys spending time with his family, being outdoors, following sports and listening to music.

 

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Meg Barton

Meg Barton

Senior Account Manager

Meg works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

Meg earned her Bachelor’s degree in Business Management from Urbana University in Ohio. She has been active in the insurance industry since 2006, and is an Ohio Notary.

In her spare time, Meg enjoys spending time with her family at Indian Lake, listening to live music and reading.

 

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Jordan Springs

Jordan Springs

Account Manager

Jordan joined the CoverLink team in 2017, bringing top-notch client service skills acquired through several years in the banking industry.

She’s constantly assisting and advising clients on their personal insurance needs – home, auto, jewelry, umbrella and other policies – not to mention, she’s just plain fun to be around!

In her spare time, Jordan enjoys spending time with family and friends, especially her husband and two kids.

 

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Jill Rawlins

Jill Rawlins

Account Manager

Jill works in the Personal Lines Department where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance needs.

She graduated with her Bachelor’s Degree in 2009 from Otterbein University, and shortly after began her career in the insurance industry.

In addition to holding the Ohio Property & Casualty Insurance License, she also has her Accident & Health, Life and Variable licenses.

Jill enjoys spending as much time as she can with her family, and especially enjoys being with her little girl who makes her laugh often.

 

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Chris Badenhop

Chris Badenhop

Insurance Advisor

Chris joined the CoverLink team in 2017 with a diverse and exciting professional and educational background. He works with individuals, families and businesses to find the ideal solution for their insurance needs.

He brings a positive attitude and a desire to help his clients in his position as an Insurance Advisor, but most importantly, he shares one of the most fundamental beliefs we hold dear within our organization: he cares. He cares about his clients, he cares about protecting all that’s important to them, and above all, he cares about doing what’s in the best interest of his clients. His enthusiasm and empathy set him apart, and he’s backed by the top-notch service provided at CoverLink, making him a tremendous asset to his clients. In short, Chris puts people before policies.

In his free time Chris enjoys spending time in the outdoors hunting and fishing. He’s also a passionate sports fan devoting support to all levels of play.

 

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Joe Cooney

Joe Cooney

Senior Insurance Advisor

When considering business insurance, contracts and requirements are often complex and confusing. As professional insurance agents, CoverLink is in a position to help. We’ll help you secure the right business insurance at the right price so you can enjoy the security and peace-of-mind you deserve, and spend time focusing on your business and not your insurance.

 

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Kelli Young

Kelli Young

Director of Marketing

Kelli brings extensive marketing expertise to CoverLink after spending nine years in the automotive industry, where she gained valuable insight in the areas of design, digital presence, and content creation.

After joining CoverLink in 2015, her focus has been on telling the story of our long standing belief, that people are more important than policies, in a fresh way with a digital twist, allowing consumers who believe what we believe to find us easier.

Kelli graduated from Ohio University in 2006 with a Bachelor’s Degree in Communications, and earned her Master’s Degree in Business from Ashland University in 2010.

She enjoys spending time with her family, especially being outside with her son and two daughters.

 

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Jami Radern

Jami Rader

Director of First Impressions

As the Director of First Impressions, Jami brings top-notch client service skills. She’s constantly assisting clients with billing inquiries, working to resolve any frustrating issues they’re having, and she’s just plain fun to be around!

In her spare time, Jami enjoys spending time with family, especially her husband and four children and going on four-wheeling trips together.

Erika Asher

Account Manager

Erika works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

In her spare time, Erika enjoys hiking, reading, and spending time with her son.

 

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Erin Whitaker

Account Manager

Erin joined the Personal Lines division at CoverLink in 2019, as an Account Manager, where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance.

She previously worked in the healthcare industry before getting her insurance license in November of 2018.

When Erin isn’t at work, you can find her cheering on her kids at various sporting events almost every day of the week. In addition, she enjoys planting flowers, finding rusty items to decorate with and spending as much time with her family as possible.

Alissa Grim

Alissa Grim

Account Manager

Alissa works as an Account Manager where she helps individuals and families find the insurance that best fits their needs.

In addition to earning her Ohio Property & Casualty Insurance license in 2008, Alissa received her Life Insurance License in 2010.

In her spare time, Alissa enjoys spending time with her family camping, and watching her son race go karts around the U.S.

Vickie Allen

Vickie Allen

Account Manager

Vickie has worked at CoverLink since 2000 helping clients with a diverse set of needs, from securing the coverage that’s best for their individual situation, to providing guidance when claims or billing questions arise.

Vickie currently holds the Ohio Property & Casualty Insurance License, and is well known to clients because of her infectious personality and radiant smile that greets them when visiting the office.

In her spare time she enjoys spending time with family and friends, and traveling.

Randy Leopard

Randy Leopard

Vice President

Randy began his insurance career in 2000 working with both personal and business clients on their health insurance needs.  In 2008, he expanded his area of focus to include all types of insurance his clients needed from home & auto insurance, business insurance and farm insurance.

Randy resides in Urbana where he enjoys spending time with his family, and watching his horses race from time to time.

Melodi Wilkins

Melodi Wilkins

Senior Account Manager

Melodi has called CoverLink her ‘work home’ since 2009.  In her position as a Senior Account Manager, she works closely with clients needing home, condo, renters, auto, umbrella and other types of personal insurance coverage. Melodi also provides service and assistance to businesses regarding their insurance protection needs.

In her spare time, Melodi enjoys being outside and spending time with her family, especially with her granddaughter.

Morgan Edwards

Morgan Edwards

Account Manager

Morgan joined the CoverLink family in 2019, as an Account Manager. She helps her clients with personal insurance needs such as, home, condo, renters, auto umbrella and more. In addition, she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

In her spare time, Morgan enjoys spending time with her family and friends, making memories and enjoying all that life has to offer!

Sam Ankrom

Insurance Advisor

Sam joined the Coverlink team in 2020 with a strong passion and drive to help people. As an insurance Advisor with his Property & Casualty license, he assists individuals and business with all of their insurance needs.

He is dedicated to going above and beyond for his clients and wants to make sure every client is not only properly insured, but can also feel like a part of the Coverlink family. Sam is committed to helping everyone feel confident and comfortable with their insurance decisions and have the peace of mind knowing they are taken care of by not only himself, but by the entire Coverlink team.

Outside of work you can usually find Sam spending time with friends and family, or outside on the golf course.