The prospects for insurance coverage for online commercial activities may not be quite as bleak as first appears.

Historically, the insurance industry offered a small number of broad, standardized policies, such as comprehensive general liability (CGL) and first-party property policies. In response to successive waves of asbestos, environmental, employment and intellectual property claims over the past three decades, insurers have been narrowing the coverage provided by these policies, just as the Internet is creating new exposures for business.

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