Amazon's Ring incidences expose cyber insurance inconsistencies and new IoT risks

12 Feb 2021

Partner and Cyber expert Nick Gibbons features in an article published in Insurance Times which explores the emerging risks from Internet of Things' devices, as well as how it could be opportunity for brokers and insurers.

Inconsistencies in cyber insurance cover have been exposed after a series of alleged security flaws were identified in Amazon's smart home doorbell product - Ring.

When discussing the question of IoT device security and who is liable Nick pointed out that it is not clear cut. 

"Claimants will try to claim that a hacking incident is the result of a defect in the product, whereas manufacturers and software providers may argue that the incident occurred because of the manner in which the consumer used and maintained the product.

"Ironically, perhaps the very fact that legal liability is unclear arguably presents an opportunity to insurers."

Read the full article in Insurance Times here. (subscription required) 

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Disclaimer: This document does not present a complete or comprehensive statement of the law, nor does it constitute legal advice. It is intended only to highlight issues that may be of interest to clients of BLM. Specialist legal advice should always be sought in any particular case.

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