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Your Internet of Things Exposure

 

Internet-controlled tools, equipment, furniture and electronics are becoming the new norm for businesses looking for ways to increase productivity. Often referred to as the internet of things (IoT), this new level of connectivity can also prove dangerous to business owners who rely on constant connectivity to function.

Businesses need to be aware of their susceptibility to loss and the exposure such connectivity can create.

Cyber Exposure – Constant connectivity means there is a continuous flow of data between devices, which could lead to a leak of the information or create an opportunity for malicious software to infiltrate the network. Should a customer's data be compromised, cyber insurance may help pay the costs for which the business owner is liable.

Electronic Data – Perhaps the compromised data doesn't harm a customer directly, but the inability to access compromised files brings your business's operations to a standstill. This type of insurance is designed to help fund the cost of re-creating compromised/damaged data and to minimize its financial impact on operations.

Equipment Breakdown – Connecting to mechanical and electrical systems, including heating/cooling, photocopiers and computers, now makes managing business as easy as one click. But what financial damages might the business suffer should such equipment simply stop working?

It may be possible to package these and similar technology-based insurance coverages together with your current insurance program. Ask your agent for more information.


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