The fourth annual NetDiligence® Cyber Claims Study uses actual cyber liability insurance reported claims to illuminate the real costs of incidents from an insurer’s perspective. For this study, we asked insurance underwriters about data breaches and the claim losses they sustained. We looked at the type of data exposed, the cause of loss, the business sector in which the incident occurred and the size of the affected organization. For the first time, this year we also looked at the two additional data points: was there insider involvement and was a third-party vendor responsible for the incident.