“网络认可的危险”

被保险人只需花费很少的钱就可以在传统的CGL,专业责任或其他保险单上添加网络认可。 2016年10月25日,阿拉巴马州北部地区在 营’s Grocery,Inc.诉State Farm,这是迄今为止解释网络覆盖率的少数几个决定之一,它表明了为什么被保险人应该警惕选择网络认可而不是独立的保单。案卷号4:16-cv-0204,2016 WL 6217161。

营’经历了一系列不好,非常糟糕的日子。首先,黑客访问了其网络并损害了客户’ credit card, debit card 和 check card information.  Yipes.  Then, three credit unions sued 营’s to recover card reissuance, fraud reimbursement 和 fraud prevention expenses.  Double yipes.  Finally, 营’s tendered the claim to State Farm, which informed 营’s that the Computer Programs 和 Electronic Data Extension of Coverage 和 related endorsements to its property 和 casualty policy only covered 营’第一方数据泄露损失。国营农场不包含背书’认为,像信用合作社这样的第三方责任索赔’.

法院同意。它认为国营农场没有义务捍卫或赔偿营地’关于信用合作社诉讼。它解释说“[i]通常将保险合同分配给以下两类之一:‘first party coverage’ or ‘third party coverage’…’First party coverage’与被保险人财产遭受的损失或损坏有关…相反,如果保险人’辩护和付款的责任交给了第三方索赔人,该第三方索赔人是根据对被保险人的判决或和解而被支付的,则该保险被分类为‘第三方保险。’因此,完全不同的利益受到保护‘first-party coverage’ 和 ‘third-party coverage’.”在举行那个营地’s endorsements offered only 第一方报道, the essentially held that 营’s没有覆盖范围,因为它只是试图与信用合作社打交道’ third party claims.

第一方报道 important in cyber-land.  It can cover forensic investigations to determine the source of a breach 和 stop it, repair of damaged or lost electronic data, breach notice reporting costs 和 other significant expenses.  But 第三方保障 是 also critical. It covers lawsuits like the credit unions’ against 营’s, 和 even regulatory investigations 和 fines (the latter 是 admittedly kind of a blend of first 和 第三方保障, but it’s also not likely to be in inexpensive endorsements to traditional insurance policies).  The importance of both sets of coverage 是 why many cyberinsurance policies are a hybrid of both first 和 第三方保险。

Without stating a position on the 营’的结果,我可以说我’ve seen many endorsements, particularly to professional liability policies, that provide only 第三方保障.  In 营’s, the court deemed the endorsement to provide only 第一方报道.  If you’re trying to save a few bucks by adding cyber coverage to other insurance, do so with caution.  Both first 和 第三方保障 是 critical, 和, like so many things, you very well may get only what you pay for…