Business Resources

Intellectual Property

intellectual property   What is Intellectual Property? Webopedia defines intellectual property to any property that is created using original thought.  Traditional intellectual property rights include patents, copyrights and trademarks.  Unlike tangible property, rights are not extinguished when the property is destroyed.  The World Intellectual Property Organization defines intellectual property as creations of the mind, such …

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Security Breach

What is a Security Breach? A Security Breach also known as a Data Breach involves the theft or compromise of 30,000 or more records, although many smaller breaches occur continually, of secure or private/confidential information to an untrusted environment.  According to the Credit Union National Association , most breaches occur in North America and it …

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Personal and Advertising Injury

What is Personal and Advertising Injury Insurance? Personal and Advertising Injury (P&AI) is a standard coverage found under Section I of a commercial general liability insurance policy (CGL), it carries a separate limit than bodily injury and property damage liability.  Under a CGL coverage form Personal Injury provides coverage for insurable offenses that produce harm …

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Social Engineering

What is Social Engineering? Social engineering is the art of tricking individuals so they give up confidential information primarily through the use of the internet or email scamming schemes.  Cyber criminals use a variety of ways to reach and manipulate their way into individuals and businesses networks and personal information.  Examples of social engineering tactics …

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Network Security

What is Network Security Insurance? Why do you need Network Security Insurance? Network Security Claim Scenario: What does Network Security Insurance Cover?

Cyber Crime

What is Cyber Crime Insurance? Why do you need Cyber Crime Insurance? Cyber Crime Claim Scenario: What does Cyber Crime Insurance Cover?

Product Liability

Product Liability Insurance What is  a Product Liability? According to the Insurance Risk Management Institution‘s definition, product liability is the liability for bodily injury or property damage incurred by a merchant or manufacturer as a consequence of some defect in the product sold or manufactured.  However, this definition has been stretched to include intangibles, naturals, …

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