The World Economic Forum at Davos surveyed 469 experts and industry readers for its publication on the top risks facing world economies, Global Risks 2012. Of the top five global risks in terms of likelihood, only one, cyber-attack, could be said to have potentially significant insurance coverage available.

Even there, the potential for damage may not be well-understood by businesses if one measures that by the take-up rate. Recent reports on the Stuxnet and Flame malware may have raised awareness of the damage cyber-attacks can do to a network, but few may realize how insidious and dangerous a good hacker can be, even without causing meltdowns or obvious destruction.

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