Re: Insurance
Think "must have latest updates to operating systems and anti virus etc installed and running"
Think also about backups. I'm surprised the insurance companies aren't pushing this.
I do think a lot of smaller cities and other targeted institutions are running systems on the cheap. The system was built way back when and having someone come in periodically for maintenance and setting things up like backups just isn't in the budget. Most libraries, many schools, and small towns are usually strapped for cash.