I am stunned how many organizations "misuse" cybesecurity insurance. While it make sense from a business perspective, I think that's where ethics should outweigh purely calculative approach. Any insurance is designed to restore what is broken, in a way rebuilt to it's original state. However with any data breach nothing was broken, it's unauthorized people have seen information that should not have been seen. You can not undo that, there is no way you can put genie back!

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