I get it Cyber Insurance is the next great business opportunity, it may even save some companies a great deal of money. But remember with all insurance policies there are always ways for the insurance company to not pay. While I have no knowledge about how the policies are structured, I am sure they won't just pay out claims if you are not trying to stop the breaches.
So the need for proper security measures will always be present
http://www.cioinsight.com/security/slideshows/what-to-do-after-a-security-breach.html/
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