The Hartford's SMB version is a little thin compared to other data-breach policies, which cover things like the cost of forensic investigation afterward, cost of notifying customers who are now potential victims, the cost of credit protection programs and crisis management.
Think it can't happen to your small business, or that, if it does, the loss of reputation won't be that big a deal?
Do a quick search on the company name "HB Gary" and "LulzSec" and think again about that.
Not everyone agrees data-breach insurance is necessary, or at least that there aren't other issues to think about before paying for a sense of security you may not need and protection you may not get.
Between hackers trying to break in and regulators offering fines and penalties if you don't make your firewalls high enough, there is enough potential downside to spend a little time on the cost/benefit.
Read more of Kevin Fogarty's CoreIT blog and follow the latest IT news at ITworld. Follow Kevin on Twitter at @KevinFogarty. For the latest IT news, analysis and how-tos, follow ITworld on Twitter and Facebook.