If you've never heard the term "vCISO," you're probably not alone — but you've almost certainly felt the problem one solves: a growing list of security decisions with no one qualified to make them. Who decides whether your business needs cyber liability insurance? Who evaluates that security tool your IT vendor is pushing? Who tells you whether your business is actually compliant with HIPAA, PCI-DSS, or whatever standard your biggest customer just asked about? Who builds the