Technology

Technology Professional Liability
Technology products and services are not an exact science. All people have experienced problems using technology; sometimes these problems are attributable to the user and other times it is due to the technology itself. Although it has become somewhat accepted that technology does not work from time to time it does not mean that claims do not occur. Technology professional policy forms are designed to protect the insured from negligence in the performance or failure to perform professional services. Coverage enhancements for the class of business include personal injury coverage arising out of professional services, coverage for unauthorized access by a third party, transmission of virus by a third party, and intellectual Property Coverage.

Privacy Liability
Whether you are a small retail store or a physician’s office, it in incumbent upon all businesses to take care of and protect the personal information of their clients.

This includes coverage for:

  Electronic and non-electronic security events including
    phishing, social engineering and physical theft

  Anyone’s act, error, or omission including but not limited
     to outsourcers or vendors

  Sub-limited coverage for CMR 1798 – security breach notification
     costs and coverage of subsequent credit monitoring
     payments for affected parties

  Breach of statute including HIPAA (Health Insurance Portability
      and Accountability Act)and GLB (Gramm Leach Bliley Act of 1999)

   Breach of confidence or violation/infringement of any rights to privacy

   Defense costs and penalties relating to civil regulatory actions
      for privacy breaches

   Infringement of intellectual property rights including copyright,
      trademark, trade dress, cyber squatting, moral rights violations
      or any act of passing-off

   Defamation, including but not limited to libel, slander, and trade
      libel or product disparagement

   Negligent transmission of a computer virus, worm, logic
      bomb or Trojan horse


Cyber Business Interruption
This the newest coverage protecting insureds conducting business via the internet from economic losses sustained as a result of web-sites and/or systems being brought down by malicious code or network security breaches.