Cyber insurance continues to evolve rapidly, as carriers and insureds update their understandings of the nature, likelihood, and severity of key cyber threats impacting modern businesses, including hacking, ransomware, phishing, insider threats, and more. Unlike more well-established lines of insurance, cyber insurance policies differ significantly from carrier to carrier, and new endorsements and exclusions enter the cyber market regularly. Not only when dealing with a data breach, but also when entering into a new policy or conducting an important coverage review (e.g., when engaging a new service provider who will have access to your most sensitive data), Pierce Atwood’s technology and data privacy and security experts can help you understand what exactly you are buying (and not buying) with your cyber insurance premium, informed by the insights and experience of our insurance litigation colleagues.