October ordinarily brings the return of crisp air, fall foliage, and Halloween. This year, for the first time, it also brings National Cyber Security Awareness Month. Yet designating a month to increase cybersecurity awareness seems redundant. We are reminded almost daily of the importance of cybersecurity, as media reports of cyber breaches have become commonplace. Of course, the most widely reported cyber incidents have been data privacy breaches that have affected tens of millions of consumers nationwide. These are the sorts of incidents that have spawned a growing market for so-called “cyber policies” (although as we wrote recently, the CEO of one of the largest insurers has acknowledged that cyber insurance capacity remains relatively small).