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The focus of the social media conversation is on “rewards.” What is the ROI? How much will business increase? How many new recruits and customers can my company expect to draw in through social media? However, the social media risk conversation is still emerging and forming.

This article will propose a structure for conceptualizing social media risk in the insurance industry. There are three broad risk categories, each with three subcategories. These “three rules of three” will, at a high level, both define the nature of the problem and the nature of risk management strategies.

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