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Cyber and privacy liability or data breach coverage can be compared to any new, innovative tech product that lands on retail store shelves these days. Initially, the gadget is costly and unequipped with many of the enhancements made to the later models. Then, as time progresses, it gets refined and affordable.

The same is true with specialty insurance. Today’s cyber and privacy liability policy looks nothing like the models that rolled out in the 1990s and it costs a fraction of the price. 

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