If you haven't done so already, please
read Part 1 :[Return]
Considerations For Your Web Site
If you or someone in your household operates
or is building a Website, you need to be aware that the site could
open you to legal situations. Here are some questions you should
consider:
Who created the site?
Key consideration: depending upon the circumstances,
a private party that created the site for you may share (or even
own) the responsibility for damages caused by the site.
What is the purpose of your site?
Key consideration: Is there ANY business activity
or purpose? If so, you may have an immediate need to secure appropriate
protection.
What content is found at your site?
Key consideration: Not only do you have to
think about YOUR message, but you must think of other parties
that appear at your site such as friends, companion businesses
or even miscellaneous links.
Who do you intend to attract to the site?
Key consideration: There's a big difference
in the type of people you're targeting, such as inviting:
- relatives to see baby pictures or family
newsletters
- customers to request product/service information
or to place orders
- hobbyists to distribute or solicit stories
or advice
- strangers to a forum for discussing sports,
political or other topics
Is there anyone you would not want to see
the site? Why?
Key consideration: Answering this question
honestly is critical. It can identify prime areas for possible
legal action against you. It may also suggest what precautions
you may take, including the easiest action such as eliminating
the reference to a person, group or organization.
Does Your Site Create An Insurance
Need?
After examining the key concerns about your
Website, you should be prepared to take precautions which may
include:
- adding security features to your Website
- changing the content
- adding waivers or disclaimers about links
or certain pages that appear on your site
- adding user agreements to your site
- creating guidelines on maintaining current
and future content at the site
- Changing your homeowner coverage
- buying additional or special personal or
business liability insurance
- adding or eliminating a guest book (if
you have a guest book, pay close attention to what visitors say)
- eliminating the Website
Once you've carefully examined your Website
situation, a discussion with an insurance professional could be
an excellent step to identify coverage needs which may include
having to buy commercial coverage. The instant and widespread
access represented by the Internet creates new perils for individuals.
Don't hesitate to seek the help of an insurance professional or
even competent legal advice.
