A Real exali Damage Event
Lost Customer Key: IT Service Provider Causes 1.400 Euros in Damage
Post by Vivien GebhardtPost by Vivien GebhardtAuthor
Post by Vivien GebhardtPost by Vivien GebhardtAuthor
Friday, 22 July 2022
Friday, 22 July 2022
When we talk about damage events in the IT sector, it’s usually about security gaps, incorrect programming or typos. But the IT service provider in this damage event had a completely different problem: He lost the key to his client’s office – and to make matters worse, it was on a private night out with friends at the pub...
When Handling Customer Property, Separate Work and Private Life
But let’s start from the beginning: The IT service provider was entrusted with the maintenance of a company’s IT equipment – which was supposed to be done outside of opening hours. So the client gave him the keys to the company building. Up to this point everything was going smoothly, but then the IT expert wanted to get in the mood for his upcoming holiday and went out for a few drinks... with the key in his pocket. Unfortunately he lost his jacket during his night out. When he noticed it, he searched everywhere, but to no avail.
In addition to the annoyance about the missing jacket, he had the frightening realisation that his client’s key was in the pocket.
After searching the pub again and looking at the local lost and found he still didn’t have any success: The key was gone! The company – the client of the IT service provider – therefore had to replace its entire locking system. What was the consequence of this fatal mixing of work and private life? The company demanded almost 1.400 euros in compensation from the service provider for the damage caused.
Mistakes On the Job – Covered As a Self-Employed Person
Mishaps can happen quickly in everyday working life. And if the victim is not your own business but your customer, you can face expensive claims for compensation. This is where the Professional Indemnity Insurance for Digital Professions from exali is at your side. The insurer checks the admissibility of claims raised against you and settles legitimate claims. It also does this if the mishap not happens to you, but to one of your employees: Because employee errors are also covered by the Professional lndemnity Insurance.
In this story with the IT service provider, the insurer also jumped in to save the day. Because the scope of the concluded Professional Indemnity Insurance includes general and personal liability - which also covers the loss of third-party keys and code cards. The insurer covered the costs for replacing the locking system, so the affected IT expert wasn’t left out in the cold when facing the damages.
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<span class='visible--desktop'>First-Party Cyber and Data Risks Insurance (FPC)</span>
<span class='visible--tablet'>First-Party Cyber and Data Risks Insurance (FPC)</span>
<span class='visible--mobile'>FIrst-Party Cyber and Data Risks Insurance (FPC)</span>
<span class='visible--desktop'><p><strong>This add-on protects your business from the risk of hacking, DDoS attacks or other internet crime.</strong></p>
<p>Reimbursed/covered:<strong> </strong>for example costs for the <strong>restoration of your IT systems</strong>, the commissioning of professional <strong>computer forensics analysts</strong> or specialised <strong>lawyers</strong> (including criminal defence) as well as for <strong>crisis management & PR</strong>. Additional costs for the quick elimination or avoidance of an interruption to your business are also insured.</p>
<h5>Further Examples of Damages We Insure</h5>
<ul class="liste">
<li>Damage to your own IT systems (from hacking)</li>
<li>First-party data rights claim (in particular spying on personal data)</li>
<li>Expenses for an (imminent) interruption of business (additional cost coverage)</li>
<li>Breach of trust damage (intentional damage to own IT by employees)</li>
<li>Costs for criminal defence (internet criminal legal protection)</li>
</ul>
<h5>Insurer Services</h5>
<p>The special benefit about this add-on is the assumption of your own <strong>costs</strong>, e.g. for the commissioning of:</p>
<ul class="liste">
<li>Computer forensics specialists</li>
<li>Specialised lawyers</li>
<li>Consultants to provide information to data owners</li>
<li>Professionals for PR & crisis management</li>
<li>Credit protection and monitoring services</li>
</ul>
<p>as well as the assumption of <strong>additional costs, e.g. for the use of third-party IT and computer systems.</strong></p>
</span>
<span class='visible--tablet'><p><strong>This add-on protects your business from the risk of hacking, DDoS attacks or other internet crime.</strong></p>
<p>Reimbursed/covered:<strong> </strong>for example costs for the <strong>restoration of your IT systems</strong>, the commissioning of professional <strong>computer forensics analysts</strong> or specialised <strong>lawyers</strong> (including criminal defence) as well as for <strong>crisis management & PR</strong>. Additional costs for the quick elimination or avoidance of an interruption to your business are also insured.</p>
<h5>Further Examples of Damages We Insure</h5>
<ul class="liste">
<li>Damage to your own IT systems (from hacking)</li>
<li>First-party data rights claim (in particular spying on personal data)</li>
<li>Expenses for an (imminent) interruption of business (additional cost coverage)</li>
<li>Breach of trust damage (intentional damage to own IT by employees)</li>
<li>Costs for criminal defence (internet criminal legal protection)</li>
</ul>
<h5>Insurer Services</h5>
<p>The special benefit about this add-on is the assumption of your own <strong>costs</strong>, e.g. for the commissioning of:</p>
<ul class="liste">
<li>Computer forensics specialists</li>
<li>Specialised lawyers</li>
<li>Consultants to provide information to data owners</li>
<li>Professionals for PR & crisis management</li>
<li>Credit protection and monitoring services</li>
</ul>
<p>as well as the assumption of <strong>additional costs, e.g. for the use of third-party IT and computer systems.</strong></p>
</span>
<span class='visible--mobile'><p>Protection against hacking damage to your own IT systems, DDoS attacks, computer misuse, theft of data carriers and other data rights violations and the majority of the resulting expenses and costs.</p>
</span>
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