Do companies need more cyberinsurance?

Other insurers agree, saying businesses need to buy more insurance to cover the threat of damage that could be done if they suffered a cyberattack.
http://mobile.bloomberg.com/news/2013-12-17/aig-says-companies-massively-under-insured-for-cyber-risk.html 

But is it all insurance company hype? Or is cyber insurance really worth it? Forbes offered a more balanced assessment in this article (written in 2012 but still relevant) and offers tips on how to reduce the high cost of cyber insurance premiums:

http://www.forbes.com/sites/rajsabhlok/2012/10/18/do-you-really-need-cyber-liability-insurance/

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