I'm in the process of getting business insurance for my small online venture (basically a hosted online CMS grossing ~$20k/mo.). My local insurance agents can't seem to understand my risks or my out-of-state server/data locations. Seemingly savvy agents are recommending "cyber liability" coverage for business interruption hazards like data center hardware failures, hacks/break-ins, or catastrophic user error.

Do you use "cyber liability insurance" or some other form of business insurance for your online venture? Have you used it to make a successful claim in the event of a disaster?

(I'm not asking about your application's redundancy or disaster recovery capabilities.) Thanks!