Although blogs are springing up in businesses everywhere, insurance buyers and some brokers may not be aware of the nuances of potential liability–or that they might not be covered by their standard general liability policies, industry experts warn. While such exposures might appear to be second-nature for media entities expanding their Web presence, non-journalistic firms using blogs as marketing tools may not be so savvy about the risks involved.
“This is a wide open area,” said Ken Goldstein, worldwide media liability manager for The Chubb Group of Insurance Companies in Simsbury, Conn. “The courts are looking at it on a case-by-case perspective.”
Chad Milton, national practice leader for media liability and intellectual property, with Marsh in Kansas City, Mo., said most of his clients–publishers and broadcasters–are “armpit-deep in blogs.” For them, he said, a blog is a natural extension of what they already do. “In fact, in a lot of ways, a blog isn't any different from what they've done before.”
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