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  1. #26
    Resident Grump BillyParadise's Avatar
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    Apr 2005
    Subic Bay / Toronto
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    With insurance, you pay up front, or you pay over time. The better you build your network, the lower your cost to insure it.

    In my day job, I work for along side an IT consulting firm. They specialize in reinsurance companies that live and die based on their IT infrastructure. If the servers are down, they can't run their risk models, and can't quote the business. They can literally lose millions per hour if their servers go down.

    As a result, they generally buy what seems to be an overkill network for the size of the company. Can you say over $100k per employee? These guys are the insurance companies for the insurance companies - possibly the smartest bunch of people I've ever met.

    It's all a matter of the risks you want to cover. Either spend the money to build the system right, or pay for insurance in abundance.

    Errors and Omissions is probably your best bet to start. But spending more on your systems and procedures will save you the most money over the long term.

    (in looking over this post, I think I might have missed the point completely. Whoops. Too late to delete )

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  2. #27
    SitePoint Co-founder Matt Mickiewicz's Avatar
    Join Date
    Jul 1999
    Vancouver, Canada
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    You can insure an ecommerce Website for outages, your web development work for errors & ommissions, media liability (if you're a publisher), network liability (if you own a hosting company or host clients websites) and much more. If you have any substansive assets, or you make a full-time living off the web, it's worth protecting yourself and your business.

    Read up:
    Cyber Liability
    Intellectual Property
    Media Liability
    Tech Errors & Ommissions
    Network Liability

    US Insurance Websites:
    Matt Mickiewicz - Co-Founder - Empowering Web Developers Since 1997
    Follow me on Twitter.

  3. #28
    SitePoint Member
    Join Date
    Jan 2006
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    Insurance Carriers

    Hey everyone, I'm new here and came across this thread and wanted to post a reply to it. One of my clients is one of the largest insurance brokerages in the US. They have over 15K agencies who write insurance business through them. I'm real familiar with the whole Internet Liability or sometimes called Network/Internet Liability insurance. I have real good relationships with the actual providers of the insurance since I've been working with this client for quite some time. One thing I could probably do if there's enough interest is get the group some sort of price break on insurance directly with the providers if we have enough interest.

    PM me if you're interested and I'll see what kind of rates I can get for us all who want insurance. We write a ton of business through these providers, so they're always willing to help us out a little.



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