Intellectual Property Insurance (Currently Unavailable)

Diversified Risk's Intellectual Insurance Program offers first-party protection against theft of trade secrets, copyright infringement and patent infringement. The policy offers a payment for lost profits to $10 million, with an endorsement available which provides $2 million in additional litigation expenses.

Two types of Intellectual Property insurance policies are currently available in the marketplace.

• Infringement policies are designed for companies that recognize their exposure to a changing business, technological and legal climate and are seeking protection against liabilities which are large in nature and which could, by their very size, create earnings volatility. The companies are purchasing infringement policies in order to smooth earnings due to exposure to an inadvertent infringement of somebody else's Intellectual Property.

• Enforcement policies are purchased by those who view Intellectual Property as a first-party asset that ought to be protected. Intellectual Property can be stolen, infringed upon and invalidated. Most enforcement policies will cover the litigation expense and share in the recovery of theft and infringement claims. If the Intellectual Property is invalidated, coverage will terminate and expenses paid to date must be returned to the company.

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