Ransomware events and other cyber crime saw a huge explosion during COVID—and they are expected to get worse. Taking a proactive approach to consistently improving your security posture is the best way to mitigate exposure and negotiate cheaper cyber insurance premiums. It’s up to you to improve your own security. There’s a lot of value in working with established cyber security firms that can afford to invest more in resources. Legislation enacting stricter cyber security measures including making it a fiduciary responsibility for employers to buy cyber insurance are in the not so-distant future.