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Lately Cyber Insurance and risk management have been getting a lot of attention—and rightly so, given the big-name breaches at Target, Home Depot and JP Morgan Chase. Most articles dealing with cyber breaches focus on pre-loss precautions, such as incident preparedness and improved information security. Other articles center on Cyber Insurance policies which offer some financial cushion to cover the loss and post-loss services and assistance. What is lost in these discussions is a paradigm shift that has occurred in the marketplace which exacerbates all breach and privacy concerns.

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