Tech Talk (2/28/08 Knowledge Knugget)

Insureds involved in Information Technology or those with Websites (especially sites which are more than content-only) have unique exposures.

The 2004 CGL form automatically excludes AI/PI for many of these insureds.

The following coverages can be found in technology or cyberliability forms:

• Intellectual property -- coverage for plagiarism; infringement of slogan, trademark, or copyright; unfair trade practices arising from same
• Unauthorized access -- unauthorized persons intruding into system, or authorized persons engaging in unauthorized acts
• Malicious coding or programming -- introduction of viruses or other harmful code

Other coverages may be available. Policies are manuscript, and coverage varies widely.