Only 25 per cent of companies use insurance to manage cybersecurity risks, according to 2005 CSI/FBI Computer Crime and Security Survey. Majority of respondents experienced breaches, with average losses of US$204,000. Insurance companies have mechanisms in place to deal with issues such as internal reporting and communication breakdowns. Insurance premiums are probably less in Canada than in the US, since the potential to be found liable and found liable in our not-so-litigious society is lower than in U.S., expert says.”]