Cyber risk is complex, but buying cyber insurance doesn’t have to be. Five simple steps, what to have ready, how long it takes, and eight terms explained simply.

Your license agreement decides how much you could owe a customer; your insurance decides how much is covered. How to match EULA and SaaS liability caps to your Tech E&O and cyber limits.

Raising money or adding investors to your board puts founders personally on the line. What D&O insurance covers, when startups need it, and how it fits with cyber and Tech E&O.

Your declarations page says $3M, but for ransomware your policy may pay far less. How to find a ransomware sublimit, what it costs you, and how to get better terms.

If you publish content or host what users post, you can be sued over it. What media liability insurance covers, where cyber policies fall short, and what underwriters ask.

Your client wants to be named as additional insured on your cyber and Tech E&O. Here’s what insurers will usually agree to, and how to negotiate the clause.