Ransomware attacks are one form of cybercrime where hackers gain access to computer systems and encrypt all the data. Ransom notes appear at the affected computer(s) demanding a fee to regain access to the system. Ransomware attacks are common in a variety of industries, from municipalities to hospitals, dentists and insurance agencies, basically anywhere there is a security lapse the criminals can exploit. Depending on the policy coverage purchased, ransomware attacks can be covered; for the cost to pay the ransom, decrypt the computer system, restore files, verify that customer data was not breached, and importantly, to pay for lost income while there was a service outage. It is important to discuss these and other types of cyber-attacks and cyber coverages with qualified agents and account managers at Harms Insurance Group.