E-commerce coverage is a direct result of emerging technology. As more and more business is conducted via the Internet, companies need to be aware of new risks that may arise and view other risks in a different way. A major risk associated with e-commerce is the infringement of intellectual property rights. As information flows freely and is easily obtained, it is more vulnerable to copyright and other violations than ever before. The primary concern in covering e-risks is to identify and protect intangible property, but, in doing so, professionals must not overlook more traditional coverages. The following list outlines areas that should be given special attention.

Coverages

			___ 1.   Liability coverage ___ 2.   Property coverage ___ 3.   Advertising/personal injury coverage ___ 4.   Occurrence or claims-made? ___ 5.   Who is an insured? ___ 6.   Intellectual property exposures ___ 7.   Intellectual property abatement? ___ 8.   Intellectual property defense? ___ 9.   Worldwide coverage? ___ 10.   How are "Internet activities" or "cyberspace activities" defined? ___ 11.   How are prior acts handled? ___ 12.   How is power failure addressed? ___ 13.   Is public key infrastructure covered? ___ 14.   How are intentional, dishonest, or criminal acts treated? ___ 15.   Defense in addition to limit of liability ___ 16.   Defense included within limit of liability ___ 17.   Duty to defend ___ 18.   Are punitive damages covered? ___ ___ 19 20.   Business interruption Public relations expense ___ 21.   Forensic investigation costs ___ 22.   What damages are covered? ___ 23.   Are the following exposures addressed? If so, to what degree? ___   a. Privacy ___   b. Hacking ___   c. Denial of service ___   d. Product liability ___   e. Misuse of data ___   f. Loss of consumer data ___   g. Slander/libel ___   h. Defamation ___   i. Interference with right of publicity ___   j. Viruses/malware ___   k. Data security ___   l. Programming errors ___   m. Inability to deliver service promised ___   n. Publishing liability ___   o. Extortion ___   p. Breach of contract ___   q. Product liability ___   r. Plagiarism