A federal appeals court ruled Monday that retail customers could go ahead and file a class-action lawsuit against Neiman Marcus. Previously, such cases were dismissed because the customers hadn’t suffered any actual damages. If similar decisions follow suit, “the likelihood is that the cost of a cyber breach for retailers will increase,” Travelers’ Tim Francis says. Cyberinsurance is a rapidly-evolving field, experts say, very different from auto insurance or fire insurance. Companies should also check what the policies will cover, what they have to do in order not to void the coverage, they say.”]