Cyber Insurance policies typically cover first-party costs like forensic investigation, business interruption, data restoration, and crisis management, plus third-party liabilities including regulatory fines, legal defense, and customer notification expenses. Insurers increasingly require security controls as underwriting criteria and offer risk management services. Coverage limits, exclusions, and premiums vary based on industry, revenue, security posture, and claims history. Following a ransomware attack, a healthcare provider's cyber insurance covered $2 million in forensic costs, $5 million in business interruption losses, and $3 million for regulatory defense, though the policy excluded the $1 million ransom payment itself.