The everyday use and reliance on the computer for today's businesses is a generally accepted way of life. Computers handle business transactions ranging from the purchase of $10 in gasoline at the local station to the purchase of a $10 billion manufacturing company. The use of computers helps to smooth the flow of business. However, this dependability on computers can also lead to huge problems for entities not prepared to handle the problems that accompany such reliance.

Cybercrime, cyberterrorism and cyberdisruptions are problems that exist for businesses and must be addressed. There are various risk management techniques to help a business manage them and one of these options is to purchase insurance.

The Insurance Services Office (ISO) has produced an insurance policy that addresses many areas of concern in the e-commerce area. EC 00 10 01 14, the Information Security Protection Policy, provides the insured with insuring agreements in eight separate categories. Here is an analysis of the policy.