As a business and technology author, and former public radio talk show host, I’m planning to relaunch my blog and a related podcast. For an early topic, I’m interested in e-retailer liabilities. Why do online retailers and bricks-and-mortars with online stores need cyber risk insurance, if at all? Isn’t this already covered by standard security practices, like data encryption and related SSL certificates? What about Amazon.com Sellers? Do they need to get insurance coverage? What are the pros and cons of buying cyber risk insurance?