This is a trend that's happening around the globe, and the news we got from Lloyd's of London Insurance in August is just the latest example. They're looking to exclude payments for "catastropic" and "state-sponsored" attacks. We talk about what that means. We also discuss how a plaintiff lost a recent lawsuit against their insurance company, getting $100K when what they wanted was $600K. It was how their policy was written. We also talk about a new show (streaming on Peacock in the US) called "The Undeclared War" that is technically fictional but seems all too real. We finish up with a discussion of how we see the roll of cyber insurance in this scary world of ransomware. Saddle up and listen up!