This will give u an idea on how these Cyber criminals are committing cyber crimes.
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Law enforcement and security officials know it, and so do insurance professionals. In fact, they expect cyber liability to be one of the fastest-growing segments of the national property and casualty market.

"It's not something that is going to be picked up under general liability (insurance)," says Tonya Hollederer, vice president of Russell Bond &Co. Inc., Buffalo. "Ask your agent about it. Be aware that cyber liability is there and that the costs are very high if a company were to have a breach. They may not even be aware of what all their exposures are."

So what is cyber insurance? It's a specialized policy that has emerged in recent years in response to cyber crime, also known as computer crime, e-crime and information technology crime.Who's at risk? You name it - individuals, companies and organizations of all sizes and in every industry.

What does it cover? It's designed to cover potential losses resulting from network security breaches and other IT-related problems. It is considered by industry professionals to be an important risk-management tool.

Computer-related criminal activity is a growing problem in the modern marketplace, according to the National Association of Insurance Women. In fact, the Oklahoma-based group has listed cyber crime prevention as an industry focus in 2008.

While officials laud modern technology and the convenience of the Internet, they lament its abuse by thieves and scammers.