Trafalgar International - Insurance Brokers and Consultants    

Cyber Liability Insurance

The internet is changing the way that companies conduct their business, bringing greater opportunities to cut costs and win new revenue. Indeed, most companies today have a web presence, and are either transacting e-business or seeking to develop an e-commerce strategy.

However, this new business medium also brings a significant increase in risk not only for those companies that have a world wide web presence, but also for those that use the internet, electronic mail, an intranet or extranet.

In this high-tech world companies will:

  • Probably have a computer network that allows for internal e-mail
  • Probably have a connection to the internet and have the ability to send and receive e-mail all over the world
  • Be likely to have their own web site containing information about the company, their products and their services

They may also be:

  • Transacting business, selling products or services over the web and accepting credit card transactions
  • Maintaining a client or other database of information that could be of a confidential nature
  • Providing information or advice on specific business-related topics

The media frequently highlights examples of the e-dangers that companies face and actual incidents that have occurred, the most recent being security breaches at AOL (America On Line), Yahoo and the alleged theft of thousands of credit card details from a leading e-commerce web site in Thailand.

Recognising the serious exposures faced, we at Trafalgar have tailored a product to protect clients against financial loss arising out of their operation of their world wide web sites or use of the internet, electronic mail, or intranet/extranet.

Our policy, underwritten by local and international insurers, protects against financial loss to the company arising out of:

  • Infringement of intellectual property rights:
    The law of copyright extends to a publication on the Internet and applies in respect of graphics, sound and almost any other material transmittable on the Internet.
  • Breach of confidence or infringement of any right to privacy
  • Misuse of any information, which is either confidential or subject to statutory restrictions on its use:
    Companies could be in breach of any data protection legislation if a third party gains unauthorised access to their records via the Internet and obtains personal data held on their system.
  • Defamation:
    Companies have a direct responsibility for the content of their web sites and could have a potential liability for the content of employees’ e-mails.
  • Inadvertent transmission of a virus:
    Companies could face claims as a result of damage to third-party software or hardware as a result of third parties downloading a virus via emails from the company or from its Web site.
  • Damage to the Web Site itself:
    A hacker could maliciously tamper with your site causing its alteration, destruction or damage.
  • Legal costs incurred in the defence of an action for loss

Premium costs vary depending upon the size of your web presence and the nature of your business, but are very competitive. If you are interested in a quotation, please download the proposal (, complete it, and either fax it to us on (66) 0-2645-1180 or e-mail it to We will respond within 48 hours.

If you have any questions or would like a specifically-tailored program, please contact We will respond quickly.


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