Ho-hum, another politician has allegedly been caught with his pants down. Business as usual, right? Maybe, but the lingering Rep. Anthony Weiner (D-NY) scandal—an anonymous crotch shot (here it is, if you must) was sent from his Twitter account to a 21-year-old Seattle female journalism student—has much bigger (ouch) implications for individuals, businesses and insurance.

Consider other recent high-profile events that have unfolded around cyberliability, including two huge Sony Playstation network security breaches (which could end up costing the company $171.7 million), and this week's announcement that China cyberattackers had hacked Google's gmail system.

And cyberhacks like that perpetrated on Weiner (although the jury's still out on who's to blame) can create a string of liability snaking into more than just one guy's pants. For potential litigants (the photo's recipient, Twitter and Weiner himself), deep pockets are getting deeper -- and cyberliability and EPLI alone aren't equipped to handle the gray areas.