Ransomware demands are a costly problem for businesses of all sizes and only becoming costlier. Although a good cyber insurance policy often can cover the costs associated with such cyberattacks, every policy is different concerning what is covered and what is not, with a lot of gray area in between. As ransomware demands rise, insurers are only getting tougher on what they will cover. Knowing how to navigate the insurance process can mean the difference between having a claim covered or denied. During a panel at the IAPP Global Privacy Summit 2023, insurance counsel, a broker and an insurer shared an overview of coverage options and limitations, and offered advice on navigating the application process, providing notice, handling third-party vendors’ incidents, selecting counsel and dealing with privilege issues. See “Cyber Insurance Litigation Trends Amid Rising Ransomware Attacks” (Apr. 7, 2022).