Dozens of insurers are currently writing corporate cyber coverage. As a result, premium rates are competitive but "I don't think that will last," Knise says. "Eventually the rates will go up, but for now it's particularly cost effective." Insurance companies are charging higher premiums to accept emerging cyber risks related to "fraudulent impersonation and social engineering schemes," says Denise Perlman of Marsh & McLennan Agency. Photo by Shandell Taylor