In which cases does e-reputation insurance intervene?

In which cases does e-reputation insurance intervene?

Online reputation insurance allows you to manage damage to your digital life. Concretely, in the event of defamatory comments or images or even in the event of cyber harassment. This also applies to a website, a forum, a blog or even an account on social networks:

    Your insurance company will take the steps to request deletion from the platform where the compromising content is published. Indeed, a company will always have more weight than a company or an individual;

    If the host refuses, then the insurance will use a service company specializing in the removal of harmful content. Indeed, this IT know-how is not within everyone's reach! This will clean up the information, either (depending on the type and number) by removing it, or drowning it under other information. This will have the effect of eliminating them or at least limiting their visibility in the eyes of Internet users. It is of course your company that will bear the cost of this operation;

    Depending on your contract, an identity theft benefit may be included in your policy. Thus, in the event that your personal data is used (with the aim of harming you or using your image to carry out fraudulent actions), your insurance will provide you with the legal means necessary to defend yourself and assert your rights. . Most of the time, this involves having you accompanied, at the expense of the insurer, by legal experts.

Beware of the exclusions and the conditions set out in your contract! Not all insurances are equal, both in terms of guarantees and maximum coverage ... Read carefully the areas of application of your insurance.
The 3 advantages of an e-reputation cover

Prevention is better than cure ! In both cases, e-reputation insurance protects your image on the Internet, whether professional or private.

Advantage n ° 1- Prevention of Internet risks and management of a potential litigation following identity theft or cyber harassment thanks to the advice and action of specialists, with the aim of preserving your image (and therefore the sustainability of your activity).

Advantage n ° 2- Saving time and efficiency. If a breach of your e-reputation is detected, IT experts, lawyers and image consultants will be made available to you. The faster you clean up malicious content, the better because you'll prevent it from spreading.

Advantage n ° 3- Coverage of the necessary costs. As we have seen, damage to your e-reputation, in particular that of a company, can be very expensive ... Management costs, expert or lawyer fees, as well as, depending on the contracts, costs of restoring your image will be covered by your insurance.

    The AFNOR NF-Z74-501 standard of 2013 lays down several principles regarding notices published on the Internet, in order to moderate online comments. Thus, each reviewer is supposed to be identifiable. Also, be aware that it gives you a right of reply and the ability to report inappropriate content.

What is the price of e-reputation protection?

Most insurers and banks have implemented solutions to protect against cyber risks, including damage to online reputation. But not all of these organizations offer the same guarantees. Indeed, despite the spectacular increase in cyber crime, not all are experts in this field yet ...

The growing online reputation market is not yet fully mature, especially for businesses. There are many more offers for individuals.
Cost of e-reputation insurance for an individual:
logo-axa
Type of Contract
Comprehensive Family Protection policy option
Monthly price
€ 10.92
swisslife-logo
Type of Contract
E-reputation option
Monthly price
€ 9.90

The price of a company's e-reputation insurance varies widely, and is calculated on a case-by-case basis thanks to an audit carried out by an expert. The following will be taken into account to assess the price of this coverage:

    The field of activity of the company,
    Its turnover,
    The volume of data present on the company's web,
    The needs of society in terms of monitoring its image.

Thus, there is very little information on the real cost of these professional protections, as it is personalized. Depending on the size of your company, it can range from € 1,000 to € 250,000 per year, depending on the importance of the provision and acquisition or not of monitoring software.