Tailoring to your insureds' cybersecurity coverage needs will depend on catering to a few of their key characteristics. (Photo: Shutterstock)

All cyber policies are not created equal, and some products are better than others for a given segment of business. To determine what is most appropriate for their clients, brokers and agents should begin their assessment of a client in much the same way underwriters do: by asking "what is the primary exposure(s), as it relates to privacy and network security, for a given risk?"

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