Data/presence insurance tools and techniques
First Claim
1. A method for employing a technical protection service pursuant to the issuance or maintenance of a data/presence insurance policy by another, the method to be performed by an entity desiring coverage by the policy, the method comprising the steps of:
- the entity contracting for the employment of a technical protection service, the contracting step memorialized in an agreement whose named parties or intended beneficiaries include an insurer and the insured entity; and
the insured entity employing the technical protection service pursuant to the agreement.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods for insurance of online presence (202) and/or data (200) are described. An insurer (302) contracts with an insured entity (304) in an agreement (308) under which a premium (310) is paid for insurance coverage. The premium is calculated (306) using a pure premium method (400) or a loss ratio premium method (402), in a manner that depends on factors such as expected virus scan results (404), expected data recovery time (406), expected geographic spread (408), use of multiple recovery methods (410), and other information regarding the insured entity'"'"'s business and the technical protection services (206) to be used. In some embodiments, the technical protection services are provided under the agreement by a third party technical services provider (300). Systems, signals, and configured media are also described.
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Citations
37 Claims
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1. A method for employing a technical protection service pursuant to the issuance or maintenance of a data/presence insurance policy by another, the method to be performed by an entity desiring coverage by the policy, the method comprising the steps of:
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the entity contracting for the employment of a technical protection service, the contracting step memorialized in an agreement whose named parties or intended beneficiaries include an insurer and the insured entity; and
the insured entity employing the technical protection service pursuant to the agreement. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for providing technical protection services pursuant to the issuance or maintenance of a data/presence insurance policy by another, the method to be performed by a technical services provider, the method comprising the steps of:
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the technical services provider contracting to provide an entity with a technical protection service, the contracting step memorialized in an agreement whose named parties or intended beneficiaries include the technical services provider, an insurer, and the insured entity; and
the technical services provider providing the insured entity with the technical protection service pursuant to the agreement. - View Dependent Claims (9, 10, 11, 12, 13, 15, 16, 17, 18, 19, 20, 21, 22, 23, 25, 26, 28)
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14. A method for providing data/presence insurance coverage to an entity in view of a technical protection service to be employed by or provided to the entity, the method to be performed by an insurer, the method comprising the steps of:
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calculating a premium for the data/presence insurance coverage, the premium calculation depending on an expected result of the technical protection service; and
contracting with the insured entity for the data/presence insurance coverage in view of the technical protection service, the contracting step memorialized in an agreement whose named parties or intended beneficiaries include the insurer and the insured entity.
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24. A system comprising a storage medium configured with insured data belonging to an insured entity, and a technical services means for supporting the provision to the insured entity of technical data protection services pursuant to an agreement whose named parties or intended beneficiaries include a technical services provider, an insurer, and the insured entity.
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27. A signal embodied in a computer, the signal comprising an agreement whose named parties or intended beneficiaries include an insurer and an insured entity, and whose terms require the use of a technical data protection service to protect data of the insured entity.
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29. A configured storage medium embodying data and instructions readable by a computer system to perform a method for providing an insured entity with technical data protection services, the services to be provided pursuant to an agreement whose named parties or intended beneficiaries include a technical services provider, an insurer, and the insured entity, and whose terms require the technical services provider to provide the insured entity with the services, the method comprising the steps of providing the insured entity with the technical data protection services pursuant to the agreement, and providing the insurer electronically with a report on the status of such provision of services.
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30. A method for providing data insurance based on data mirroring services, comprising the steps of:
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an insurer calculating an insurance premium for a data insurance policy; and
the insurer contracting to provide data insurance under the policy to an insured entity subject to the use of technical data protection services, the contracting step memorialized in an agreement whose named parties or intended beneficiaries include the insurer, a technical services provider, and the insured entity. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37)
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Specification