Risk and liability associated with Internet communications is a "vast insurance field that is only beginning to open," .
Internet is everwhere. No metter what business you run, you will use computers, Emails. The risk is more and more connected with your business.
The indeterminate nature of Internet law means risk managers need to focus on risk rather than liability when it comes to assessing so-called "cyber-risks," or E-risk.
As an example of the difficulties, Supreme Court of Canada's recent decision in the copyright case of Heather Robertson v. The Thomson Corporation (the owner of the Globe and Mail). The court's split in the case portends how difficult it will be for risk managers to assess corporate risk in an uncertain legal environment surrounding the Internet.

You will need to protect your business from the following losses:
Cover includes*:
Claims made by third parties…
· for damage to their computer systems and/or records (for example, through forwarding a virus or through your employees’ hacking activities)

· for their losses as a result of your computer systems being inaccessible or as a result of you losing their data

· for breaches of confidentiality or rights of privacy (for example, a breach of the Data Protection Act)

· for libel and slander due to email or web site content

· for breaches of intellectual property rights due to email or web site content

· for misleading advertising, misleading pricing or jurisdictional issues

· for any errors or omissions in the provision of technology services to your clients
Claims made by your employees…
· for an inappropriate workplace (for example, sexual or racial harassment charges due to email content or internet use)
· for breaches of confidentiality due to you misusing their employee information
Your own losses…
· the costs incurred in repairing the damage caused to your computer systems and finding, replacing or restoring your computer records as a result of a hack attack or virus

· your lost revenue due to your inability to conduct trade electronically as a result of a hack attack or virus

· ransom demands or threats to introduce a virus or hack into your computer systems, or to disseminate the data you hold on your computer systems to third parties.

· your losses as a result of third parties using your computer systems to steal your money

· your legal expenses incurred in the enforcement of your intellectual property rights on the internet

· the costs of a public relations consultant to mitigate the damage to your reputation as a result of any loss that is covered under the policy