This guide explains why cyber insurance has become essential as cyber incidents rank among the top business risks, emphasizing that no security strategy is failure proof and insurance helps prevent disruption from becoming catastrophic. It outlines core cyber insurance concepts, including coverage types such as network security, privacy liability, business interruption, media liability, and errors and omissions, while stressing that policy details, exclusions, and disputes make selecting the right provider critical. The guide describes how insurers require specific security controls and policies before granting coverage, which can strengthen defenses but also constrain tool choices for small teams. It recommends aligning insurance decisions with the security strategy, prioritizing effectiv

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