You leave kerosene-soaked rags all around your house. You chain smoke. One day, while relaxing in front of an episode of CSI:Cyber, your hand slips and a lit cigarette sets your sofa on fire. Your house burns down. The insurance company pays out your fire insurance.
That’s the world of cyber insurance today, and as should be plainly obvious, this state of affairs cannot long continue. At some point insurance companies will stop paying out for gross negligence, and insurance adjusters will go over your logs with a fine-tooth digital comb.