Bad news hits front pages and TV screens every week: Ever-larger data breaches affect millions of trusted companies' customers. The good news is the buyer’s market for cyber insurance; businesses can shop not only on the basis of price but for policy terms that cover actual risks. Traditional lines of coverage (including crime, property, general liability and directors and officers) can provide coverage when a breach occurs, although new exclusions are pushing more businesses toward specialty policies. In this evolving market, it’s essential to analyze existing coverage and terms offered in competing cyber policies. This session will spotlight key policy provisions to demand and others to avoid. The panelists will view cyber insurance in the risk management context, including prevention and post-breach planning. They will outline an approach to cyber security equally focused on human factors: building staff awareness and the right protocols.