The cyber insurance world has changed dramatically. Premiums have risen significantly, and insurers are placing more limits on covered items. Industries like healthcare, retail, and government, where exposure is high, have been hit hard. Many organizations have seen huge rate increases for substantially less coverage than in the past. Others have seen their policies canceled or been unable to renew. With escalating activity and larger demands, cyber insurance is only likely to get more expensive and harder to get. Companies will also have to offer more proof about their security practices to be successful in filing claims or risk having claims denied.