We recently passed by Cyber Monday 2011, the day when Web traffic spikes beyond all comprehension as people go to work only to shop online. ComScore, which tracks such data, says this past Cyber Monday saw $1.25 billion in online spending, up 22 percent versus year ago, representing the heaviest online spending day in history and the second day on record to surpass the billion-dollar threshold.

Of course, insurance companies don’t have to worry as much about Cyber Monday—the odds are pretty good that insurance policies were low on shoppers' holiday gift lists, at least on that day.

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