It seems that everyone these days, from President Obama to Facebook account holders, is concerned about cybersecurity. Data breaches and cyberintrusions are front page news, and businesses are warned to take a "when, not if" approach to these threats.

In light of this reality of modern life, more and more businesses are treating data security as one of their most important business risks, and a growing number of insurance companies are offering policies to help businesses prevent and respond to data breaches and attacks.