Cyber Liability - Is your Louisville Business at Risk?

Cyber Liability - Is your Louisville Business at Risk?

No one can deny the power and influence that the internet can have on a business, whether it exists physically or virtually. However, businesses that are as much?online (data and email)?as offline (papers and files)?run a higher risk to the dangers that come with unregulated internet real estate. You?ve worked hard to build up your business so?make sure that you are not putting it at risk.

What are the risks?

Businesses now face risks and liabilities that they?ve never had before. Whether a business exists solely on the web (like an e-store), uses the internet to build a presence (doesn't everyone?!) or simply stores information on computers or uses email (everyone else!!), they both run the same risks. Some of these risks include:

• Privacy Issues: Privacy is an important issue for anyone going onto the internet and it is your job as a business owner to ensure that privacy of your customers (as well as your own privacy) is protected. Spammers love to get home addresses, numbers, etc. and then sell them or use them illegally. Unprotected email is another dangerous practice in many businesses.

• Intellectual Property Rights: When you put information on your website and distribute it to the public (on a blog, ezine, online newsletter, etc.) you are operating as a publisher and are held to the same laws. This becomes especially important if duplicate (plagiarized) content gets on your site.

• Theft/Fraud: Identity theft is the number one concern when you put your business front on the web. Hackers, spammers and information collectors can get into your system and take it over from the inside. They can crash your system or steal your customer?s personal?information. As you can imagine, this is the worst scenario ...?yet it happens more often every day.

Who Should have a Cyber Liability Insurance Policy?

In a word, everyone.? With the quickly evolving nature of the internet, there are new scams every day. Whether you have?a truly online business or a brick and mortar business which uses computers to store data or anyone who?uses email toi communicate, you?should have cyber liability insurance. After all, you have spent a lot of time, money and energy into making your business work and you wouldn?t want someone to illegally use information they obtain from you. Cyber liability gives you the peace of mind that you can take care of any of these issues if they should arise.

Some Louisville businesses are getting cyber liability policies as part of an overall insurance protection plans, while others must choose?a standalone policy.? Fortunately, lower pricing for the?policies makes the protection very affordable. ?Schwartz Insurance Group can help you decide what type of coverage is right for your business and how best to integrate this protection.

Source: http://www.schwartzinsgrp.com/blog/bid/158477/Cyber-Liability-Is-your-Louisville-Business-at-Risk

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