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| Nature of
Your Business Activities |
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| Commercial Online
services such as Internet access,
information forums, e-mail address,
Internet content providers, chat
rooms, files for downloading,
e-tailors, or if you are a web
page developer or forum manager. |
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| Example:
Software developer with no intellectual
property exposure and no online
exposure |
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| Personal Injury
& Advertising Injury Coverage |
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| If your general
liability policy excludes these
coverages, which is common for
web developers, then you need
the E&O PLUS Media coverage.
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| If
your general liability includes
coverage for personal and advertising
injury, you need an "E&O
ONLY" policy. |
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| Media Services
and Security Breach |
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| Most professional
liability policies are limited
to E&O coverage only. Media
liability can cost an additional
$10,000. Beazley's E&O PLUS
Media Services and Security Breach
covers additional exposures such
as copyright infringement and
network security related losses. |
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| Policy
is limited to losses due to E&O
only. Coverage for media liability
and breach of security is excluded.
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| Definition
of Technology Professional Services |
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| “Technology
Based Services” means electronic
media operations, digital services,
data processing, Internet services,
information services and other
electronic activities performed
for others. |
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| “Technology
Based Services” means design,
review, analysis, development,
installation, maintenance, or
consultation in connection with
computer software, computer and
data networks, computer facilities
management, computer maintenance,
computer and electronic repair,
computer programming, electronic
data processing, information management,
and computer system integration
and Internet websites (excluding
any website content related services)
for others. |
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| Definition
of Media Services |
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| “Media Services”
means the gathering, collection
or recording of Media Material
for inclusion in any Media Communication;
and/or the publication, dissemination
or release of Media Material in
any Media Communication. Libel,
slander, false arrest, wrongful
eviction, infringement of rights
of privacy, misappropriation of
any name or likeness, plagiarism,
piracy or misappropriation of
ideas, infringement of copyright,
trademark, trade name, title or
slogan. |
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| Definition
of Network Security |
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| “Theft of
Data” means the Unauthorized
taking or misuse of information,
including but not limited to charge,
debit, and credit card information,
banking, financial, and investment
services account information,
proprietary information, and personal,
private, and confidential information
while stored in a Computer System
protected by security practices
and procedures equal to or superior
to those disclosed in response
to questions in the Application
for Insurance relating to Computer
System access protection, data
back up procedures, and data encryption
procedures. |
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| Choice of
Defense Counsel, Subject to Underwriter
Consent |
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