Organizations can no longer rely on obtaining and maintaining adequate coverage for themselves, nor can they rely on service provider coverage. With several insurers exiting and current insurers asking a robust set of application questions, coverage is no longer a "given". The coverage is also very specific and many organizations do not realize they do not have appropriate coverage until it is too late. Organizations must start planning for renewals, higher premiums and additional concerns over the next few months and for appropriate budgeting for 2022.