Technology and Cyber Risks
Internet Advertisers
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Internet advertisers are traditional organizations using the Internet as a marketing medium only. Typically these organizations have marketing information on one or more website pages for current or prospective customers. Additional information may be directed at suppliers and employees. This information, also known as "Brochureware", is information only and is not transactional in nature.
Any organization that communicates publicly, whether on line or using more traditional forms of communication, faces the same exposures that traditional media organizations face. The Internet environment increases this exposure substantially, and new law continually expands the exposure.
Exposures for this type of Internet user are primarily marketing exposures, such as defamation, privacy and intellectual property. Examples include:
- An employee sends an email to other employees concerning a customer, and the email accidentally gets distributed publicly. The customer learns of the email, and sues the company.
- A web site developer incorporates a link to another site in a company's web site. The other company sues, claiming copyright infringement.
- The company web site uses well known brand names as metatags on its web site for search engine purposes. One of the brand name owners identifies the use and sues for trademark infringement.
Cyber risk coverage requirements for this type of organization are typically for the marketing exposures only - similar to that which an organization would buy for traditional marketing literature - but are often refined to better suit on-line exposures. This coverage is not expensive, and is available from a few specialty lines insurers.
Coverage is typically provided on a basis. Limits and deductibles vary with the size and type of insured. Standard limits for most small to medium sized organizations start at $1.0 million, and minimum premiums can sometimes go as low as $1,500 depending upon the type of organization. Policy forms can vary significantly.
Mercator Risk Services provides media coverage for a wide range of organizations. Please let us know your client's needs and we will provide you with information and assistance with your particular situation or account, and professional liability coverage. For assistance with a particular account or coverage situation please contact us at info@mercatorpro.com or see contact information on this website.
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