Why IT Support Is Like Insurance — andreamolinaro.com
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Why IT Support Is Like Insurance: Pay a Little Now or a Lot Later

📅 April 2026 5 min read ✍️ Andrea Molinaro

Nobody pays car insurance hoping to have an accident. You pay it because you know that if something happens, you don't want to be left alone facing a bill worth thousands.

IT support works exactly the same way.

The Problem Most SMEs Never Consider

According to the Verizon Data Breach Investigations Report 2023, 43% of cyberattacks target small and medium-sized businesses. Not just large corporations. Not just banks. SMEs, freelancers, professionals.

And the average cost of business downtime — when systems go down and you can't work — is €4,500 per hour of interruption, according to Gartner.

43%
of cyberattacks target SMEs and freelancers
€4,500
average cost per hour of business downtime
€35,000
average cost of a ransomware attack on an SME

Yet most Italian SMEs have no active IT support plan. They rely on the 'let's see what happens' approach.

The Maths Is Simple

Imagine having an IT support plan for €49 per month. Over a year, you spend €588.

A single emergency call-out from an IT technician — called at the last minute for an urgent problem — costs on average €150–300 for just a few hours. Not counting the damage caused by lost time.

A ransomware attack on a small business costs on average €35,000 between data recovery, productivity downtime and reputational damage (source: Sophos State of Ransomware 2023). You do the maths.

What a Monthly IT Support Plan Includes

A good plan isn't just 'call when you have a problem'. It's continuous prevention:

  • System monitoringwe know before you do if something is about to break
  • Security updatespatches applied regularly, vulnerabilities closed
  • Automatic backupsyour data safe even if the worst happens
  • Priority supportwe respond within hours, not days
  • Proactive consultingwe tell you what to improve before it becomes a problem

The Bespoke Plan: Pay Only for What You Need

Not every business has the same needs. A freelancer needs different things from an SME with 10 employees. That's why plans are customisable:

Profile What you need Recommended plan
Freelancer / professional PC support, email, backups Personal €29/mo
SME up to 10 people Monitoring, security, priority Business €49/mo
Company with website / e-commerce All of the above + website + advanced security Business Website €79/mo
Specific needs IAM, automation, dedicated project Custom quote

The Worst Time to Look for IT Support Is When You Already Have a Problem

When the system is already down, when the virus has already acted, when the website is already offline — it's too late to prevent it. You can only limit the damage, paying more and with fewer guarantees.

With an active monthly plan, you have a professional who already knows your system, already configured to intervene, already ready. It's the difference between calling your family doctor who has known you for years and going to A&E at 3 in the morning.

Monthly IT Support: The Lowest Cost for the Highest Protection

Just as you wouldn't drive without insurance, you shouldn't work without IT coverage. Find the right plan for you.