Dating services that collect, store and use personal information for countless clients highlight the need for cyber liability insurance to protect businesses from financial ruin. Whether you are a multibillion dollar company or a sole proprietor of a small dating service, you can be susceptible to a data breach that can cost you millions or force you out of business.
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If you operate an online dating service, learning about and purchasing customized cyber liability insurance should top your to-do list. Cyber liability refers to a range of potential liability exposures that can occur while using, storing or transferring data electronically for business purposes. The most common types of cyber threats that businesses face include the following:. If you are sued because of a data breach or other cyber crime, your business is responsible for paying legal fees, court-ordered judgments or settlements, and other court costs.
You may also incur numerous other costs related to the breach, including the following:. Cyber liability coverage can be added to a business owners policy BOP or commercial general liability policy.
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It can also be a customized, standalone solution. Work with your independent insurance agent to make sure it addresses the exposures you have. Can cyber or Internet liability insurance protect you from bodily injury claims? What if a client is sexually assaulted on a date that was facilitated by your service?
You may be able to purchase an endorsement for contingent bodily injury coverage.
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Many cyber or Internet liability policies specifically exclude this type of coverage, but you may be able to purchase an endorsement that specifically covers it. It is invaluable protection if you are sued because of the actions of someone who you set up on a date with another client.
Dating services that are not online but perhaps provide personal counseling and matchmaking services may also have professional liability exposures. You may be sued if a client perceives that you have been negligent or made an error in the services you provide, and have consequently caused them harm.
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Considering the ease with which a person could fake an identity or otherwise hide criminal convictions to gain access to the site, several attorneys said it is probably only a matter of time before Match. Even if checking registries could prevent all sex offenders from accessing the site, those checks would not prevent other violent criminals from opening accounts and setting up dates, experts say.
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If someone were to be attacked under those circumstances, the company could find itself defending a negligence claim similar to Ms. Shear said it was easy to imagine Match. Civil litigation such as restraining orders, alimony and child support disputes also could become part of Match.
For its part, Match. In an email, the company said it does not foresee having to expand its restrictions to include other kinds of criminals. Aside from the potential expansion of its exposure to its members' expectations of security, experts also wondered what effect Match.