Today's businesses need to address security issues before applying for cyber insurance.

Complicating the matter is the fact that climate-fueled extreme weather can be hard to predict.

As Florida's property-insurance market has crumbled and home values have soared, many homeowners have been dropped by private insurers and cannot qualify for Citizens coverage because of the $700,000 cap.

Insurance technology news from Markel International, Beazley, Gallagher and more.