| 摘要 |
Methods for insurance of online presence ( 202 ) and/or data ( 200 ) are described. An insurer ( 302 ) contracts with an insured entity ( 304 ) in an agreement ( 308 ) under which a premium ( 310 ) is paid for insurance coverage. The premium is calculated ( 306 ) using a pure premium method ( 400 ) or a loss ratio premium method ( 402 ), in a manner that depends on factors such as expected virus scan results ( 404 ), expected data recovery time ( 406 ), expected geographic spread ( 408 ), use of multiple recovery methods ( 410 ), and other information regarding the insured entity's business and the technical protection services ( 206 ) to be used. In some embodiments, the technical protection services are provided under the agreement by a third party technical services provider ( 300 ). Systems, signals, and configured media are also described.
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