Internet Liability

With the technology that exists today many businesses face new liability risks such as Internet and Email liability. This relative new area of liability is important for business that use the internet and email as a major part of there business:                                      

With the internet comes a significant risks. Companies who use e-mail, the Internet, an lntranet or e-commerce face potential exposure to claims from the following areas:

• Libel
• Downloading of Viruses
• Unauthorised Access
• Infringement of Copyright
• Failure of Web-sites
• Companies have a vicarious liability for the content of employees' e-mail messages and have a direct responsibility for the content of their Internet web-site
• Companies could face claims as a result of damage to third party software or hardware as a result of downloading a virus from their e-mails or web-site
• Companies could be in breach of Data Protection legislation if a third party gains unauthorised access to their records via the Internet and obtains personal data held on their system
• The law of copyright extends to a publication on the Internet and applies in respect of graphics, sound and a]most any other material transmittable on the Internet
• With companies increasingly using "e-commerce", failure of the web-site could result in a financial loss for a third party.

The Internet enables companies to reach a global audience. Therefore, this exposure to claims can come from any part of the world where the nature of the law and court awards can be very different from the UK. Without global insurance protection, companies will be left with the financial consequences of defending and paying claims in respect of their Internet Liability. Traditional insurance coverage such as Public/Products Liability will provide only a limited amount of protection for Internet Liability. Internet Liability Insurance has been specifically developed to provide insurance protection solely in respect of a company's exposure to Internet risks.

Cover would include:	Cover would exclude:
negligent acts, errors and omission  breach of duty  infringement of third party intellectual property rights  breach of confidentiality  loss of documents (including system and records)  libel and slander  downloading of virus to third parties  liability arising out of Data Protection legislation  compensation for court attendance.	death or bodily injury  date-based data recognition failure.

 

To makes sure that your director’s gets the right protection at the right price call the Noyce Team to protect the Internet part of your business.