Technology benefits most organizations by making everyday tasks more efficient. With these changes, however, there is risk of a damaging loss from unauthorized access to, or theft of, your data, computer viruses, denial of service attacks, as well as alleged unauthorized e-commerce transactions. These exposures have been excluded under traditional business insurance policies. We recommend all companies have coverage for your costs to investigate or rebuild from a breach; to notify those who may have been affected; and to protect you from suits by a customer or by a third party alleging they suffered financial harm.