BROOKLYN, N.Y.—Cyber-liability insurance may be a hard sell for independent agents, but the changing nature of exposures and the responsibilities states have imposed upon businesses are making it a growing necessity for even smaller mom-and-pop operations, says an educator.

States are taking the initiative on privacy laws; laying out requirements for business owners to protect clients' personal, says Cathy Trischan, commercial-lines manager for E&K Agency Inc. in Eatontown, N.J.

And lost, stolen or destroyed information is restricted to data on computer, says Trischan. Indeed, unsecured file cabinets or papers sitting out on a desk are subject to the same privacy regulations and duty to inform as a major corporation suffering a hacking attack to its computer system.

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