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Thought leaders believe data privacy and cybersecurity will drive a glut of class action suits in the future.

We recently spoke with Kareen Boyadjian, Vice President of Underwriting and Product Leader for MEDEFENSE®, e-MD® and NetGuard SELECT® at Tokio Marine HCC - Cyber & Professional Lines Group, about the current trends fueling the need for a stand-alone cyber personal lines insurance policy, what to consider when shopping for a policy, and how brokers can assist clients in this area.

New reports indicate that Colonial did have cyber insurance, but how does a cyber policy work in the event of a cyberattack?

A significant breach may slow a company's operations or cause it to cease business entirely.

Attacks are focused on both consumer-facing and agent-only sites, according to Sontiq.

While most companies store customer data or process transactions, only 20% have cyber coverage.

So, why no cyberinsurance yet? The answer may be that insurers still need to get their policy language in order.

Individual state laws may impact what types of exclusions are named in an insured's auto policy.