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Despite all the publicity generated by cybersecurity breaches last year at Target, Sony, Goodwill, UPS and other companies, along with the massive breach disclosed this year at the U.S. government's Office of Personnel Management involving 21 million current and former federal employees, too many companies remain ignorant of the risk, local insurance and legal experts say.

"Companies often assume they're covered by their regular insurance policies, but if they haven't bought specific cybersecurity policies, they aren't," said Jim Giszczak, who specializes in cyber-related legal issues for Bloomfield Hills-based law firm McDonald Hopkins PLC. "It's still a relatively new area of coverage, and most clients don't realize they need it."

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