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. We distill insights offered by insurance counsel, a broker and an insurer during a panel at the IAPP Global Privacy Summit 2023, on coverage options and limitations, navigating the application process, providing notice, handling third-party vendors’ incidents, selecting counsel and privilege issues. See “Cyber Insurance Litigation Trends Amid Rising Ransomware Attacks” (Nov. 10, 2021).