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Viruses and worms have attacked every college and university network. Predictably, almost all colleges and universities use some virus protection software, spam filtering and or firewalls to try to protect IT networks. Still, the attacks keep coming, as do the security breaches.

Today's high school juniors and seniors likely grew up surrounded by "Baby on Board" stickers, bicycle helmets, television v-chips, and nanny cams. Since birth these children have felt the intense focus of parents who are some of the most well-informed worriers on the planet.

Risk management personnel at institutions don't think twice about insuring school buildings and inventory like computers. Catastrophic events like Hurricane Katrina make an even bigger case for insurance policies that can replace these assets, despite the costs involved.

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