The ransomware is then used to demand payment of monies in return for unblocking access to the victim's resources. Coverage for losses associated with ransomware is available within cyber and privacy insurance policies under an insuring agreement most often termed "cyber-extortion coverage." The items it covers include (1) monies to pay ransom demands, (2) the cost of hiring experts to negotiate with hackers, and (3) the cost of computer forensics experts who can determine how hackers gained access to the insured's computer system and then make recommendations on how to prevent future incursions.