If you have a policy, your absolute first step is to call your insurer’s 24/7 incident response hotline, which is often called a “breach coach.” Do this before you attempt to fix the problem yourself or even before calling your usual IT provider. Your policy gives you immediate access to a pre-approved team of experts—legal, forensic, and PR—to manage the crisis. Acting on your own before contacting them can sometimes complicate the situation or even jeopardize your coverage, so making that call immediately is essential.