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Digital Technology Exposes Business to Greater Liability

LAKE SAINT LOUIS, Mo., April 2, 2008 /PRNewswire/ -- As the use of digital technology continues to expand, technology companies are threatened with greater liability for loss associated with unauthorized access, data theft, and even denial of service attacks. Stuckey & Company gives critical professional liability options that offer coverage for cyber liability and network operations security. Their technology insurance program can give both 1st and 3rd party coverage for networks and sensitive data to small firms, who don't typically have access to this type of coverage, at an affordable price.

According to Maggie Hammett, Senior Technology Underwriter at Stuckey & Company, "This coverage is rarely seen in the market. Some companies say they include 'cyber liability' but only give coverage for work that they do for others [3rd party]. At Stuckey, we offer network operations security coverage that's typically labeled cyber liability. Network Operations Security gives coverage for failure to prevent Unauthorized Access to or Unauthorized use of the insured's computer system that results in theft, alteration or destruction of data, hacker attacks against third parties, breach of privacy, denial of service attacks, denial of access and the failure to prevent the transmission of malicious code."

Conducting any type of business over the Internet exposes companies to cyber risk. Whether a company stores confidential information or hosts an informational public website, it could be held liable for unauthorized acts by employees or people outside of the company. Even if you have the newest state-of-the-art equipment and controls, your corporate assets could be at risk. "Traditional liability insurance doesn't typically address the types of risk associated with the Internet or other digital applications," says Hammett. "And many companies don't realize they're not covered from these risks."

Stuckey & Company has taken a proactive approach in developing a technology-focused insurance program. The new program also gives rating credits for risk characteristics like number of years in business, experience and accreditation of key professionals, quality of written contracts, and internal audit procedures. Credits up to 50% are available depending on the state. Professional services endorsements are available for management consulting, telecommunications, and IT staffing.

Stuckey has also taken the time to revamp their application and processing systems to get each of their customers the information and the coverage they need faster, more efficiently, and more effectively. Stuckey and Company focuses on future risks and continually strives to address the newest risk management paradigms.

Stuckey is focused on small to mid-sized technology accounts and offers low minimum premiums like $1,000 for a $1,000,000 limit. New rating factors for individual risk characteristics are also available. Visit for business insurance quotes and a complete list of eligibility.

Stuckey & Company is a specialty insurance program manager based in Lake St. Louis, Missouri. Other programs include commercial lines, professional lines and personal lines insurance. Additional information about insurance plans from Stuckey & Company is available at online at, by email (, or by calling 1-800-828-3452. To request information by mail, write to Stuckey & Company, 28 Hawk Ridge Circle, Suite 200, Lake St. Louis, MO 63367.

SOURCE Stuckey & Company
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