In this episode of The DPO Download, our hosts welcome risk advisors Nick Spencer and Scott Garcia from Smith Brothers Insurance to discuss the evolving landscape of cyber security insurance in K-12 school districts. The panel explores how cyber threats have shifted from simple data theft to sophisticated extortion schemes. The guests detail the critical shift from standard policy add-ons to dedicated, standalone cyber coverage, highlighting the core security controls underwriters require today—such as multi-factor authentication (MFA), data encryption, patch management, EDR, and air-gapped backups. Additionally, they examine common policy limitations like sub-limits and exclusions, offer practical advice on policy reviews and third-party vendor management, and share real-world anecdotes that underscore the importance of proactive risk management in education.