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Key Considerations When Choosing Cyber Insurance

When selecting a cyber insurance policy, it’s crucial to consider several factors to ensure comprehensive coverage:

• Coverage Limits: Assess the maximum payout the policy offers in the event of a claim. Ensure it aligns with your risk exposure and potential financial impact of a data breach.
• Exclusions: Understand what is not covered by the policy. Common exclusions include acts of war or terrorism and pre-existing vulnerabilities.
• Response Services: Some policies include access to incident response teams that can help mitigate damage and manage public relations following a breach.
• Cost: Premiums vary based on factors such as company size, industry, and existing cybersecurity measures. It’s essential to balance cost with the level of protection offered.