As we close out the year, the threat of cybersecurity attacks targeting entities in both the private and public sectors is increasing at an alarming rate. Businesses and governments alike are encountering new and innovative tactics from organized threat actors seeking to exploit vulnerabilities in their computer systems, networks and software. In confronting these unprecedented circumstances, insurers and insureds need to confirm that their business insurance policies and data security practices protect them from any operational interruptions. Here's a look at what we've seen this year and what we might expect in 2024.