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Imagine if they had open-enrollment for cyber insurance and the only way you could enroll outside of that window was a qualifying life event. Those events would be stuff like:

1) executive saw a presentation on AI
2) mergers and acquisitions where you were so quick to want to join the networks you didn’t check what you were connecting too
3) company decided to move back to on premises Exchange for some reason
4) executive saw a presentation on blockchain
5) Elon Musk purchases a majority stake in your company