1. Security Coverage

• Maintains sensitive information on the network.
• A rogue employee could cause a breach of security or send out a virus that could harm your clients or other third parties.
• Could be subject to regulatory civil actions if a breach of network security occurs.
• Utilizes a hosting company for some/all of the company’s data.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage. 

2. Privacy Coverage 

• Maintains paper files with sensitive information.
• Stores sensitive information (paper files) offsite at non-owned/non-controlled locations.
• Your staff carries sensitive information on their laptops and/or maintains computer data away from the office.
• Uses a privacy statement on your company’s websites.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage. 

3. Content, Advertising & Intellectual Property Coverage

• Publishes significant digital content/advertising on the company’s website.
• Publishes significant non-digital content/advertising.
• Maintains third party intellectual property on your networks.
• Owns numerous domain names.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage. 

4. First-Party Coverage

• Generates significant revenue over the web, or would suffer a significant loss of revenue if network operations are impaired.
• Could suffer a severe permanent loss of data.
• Could be subject to notification costs if a breach of network security occurs.
• In the event of a breach, the company may incur significant crisis management & PR expenses.
• Could be vulnerable to cyber extortion.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage. 

5. Emerging Risks Coverage

• Maintains blogs, chat rooms, or other social networking capabilities.
• Is subject to cyberstalking.
• Is exposed to an aggregation loss potential.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage. 

6. Errors & Omissions Coverage

• Provides information technology products or services.
• Owns the rights to copyrighted software code.
• Provides non-information technology products or services.

*If your business falls under any of the categories listed above, you should speak with your insurance agent about implementing this type of coverage.