| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士班 === 93 === With the explosive growth of internet and the rapid advancement of E-Commerce, Enterprises increasingly rely upon technology, such us, computers and internet, to conduct almost all aspects of their business, including marketing, shipping, communications and management. Unfortunately, as enterprises enjoy the benefit and convenience of information technology, they are brought with brand new and unique risks, like computer viruses, hacker attacks. Moreover, the advent of internet also has changed the state of the law and brought some legal issues to the cyberspace, including intellectual property, privacy…etc, which make enterprises confront new legal liabilities. Additionally, the worst problem is traditional insurance policies are not inadequate to address cyber risks. As a result, stand-alone e-commerce insurance emerged in the late 1990’s which explicitly addresses cyber risks.
This paper first explores some of the new risks to enterprises incorporating E-Commerce or using internet in their business operations, then introduces some tools and methods of E-Commerce risk management. The second part of this paper identifies coverage gap in traditional insurance policies, meanwhile, analyzing the coverage of E-Commerce insurance. Moreover, from the viewpoint of information security standard and computer forensics, this paper discusses some issues of e-commerce insurance underwriting and claims. The last section focuses on some problems limiting the growth of E-Commerce insurance market and makes some suggestions to resolve them.
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