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Ethics in a Technological World
Insurance professionals face new ethical responsibilities in the technological environment they do business in today. This course begins with a discussion of the responsibilities of the insurance licensee concerning genetic information. The history of legislation in the states and at a federal level to address genetic information and insurance coverage is then explored. The important new legislation in the Genetic Information Nondiscrimination Act is then described and explained.

The course then considers the ethical responsibilities of the insurance licensee to protect privacy of health and financial information. The requirements the agent must follow under both the Health Insurance Portability and Accountability Act and the Gramm-Leach-Bliley Act are explored. State laws implementing these federal Acts in insurance legislation are explained as well. Then, the important responsibility under the law to develop an information systems security program is thoroughly reviewed. And a close look at the external threat to information systems posed by cyberterrorism is taken.

The course then turns to a consideration of coverages needed to protect against technological risks. The applicability and shortcomings of standard commercial general liability coverages are evaluated in light of technological risks. An endorsement to this form that can be used to cover the risk of electronic data liability is thoroughly reviewed. Errors and omissions coverage for computer technological businesses are then covered, followed by special liability coverage forms for those with special risks. The crime coverage and business income coverage forms are also evaluated and the identify theft coverage available to homeowners completes the discussion of available technological risk insurance coverages.