A high profile hack of Target in 2014 may have resulted in more than $146 million in damages to the company and consumers. With more than 3,000 American business hacked last year demand for cyber insurance is growing rapidly. However, compared to better understood areas of risk like natural disasters, experts are unsure how to measure the frequency and ferocity of current cyber attacks as well as respond to techniques that will emerge in the future. The internet of things could quickly become a security nightmare, if an appropriate level of consciousness is not applied.