By now, many of you may have heard about comedian
The episode also points to another matter that needs to be considered by insurance companies as well: the liability incurred by employee statements in social media forums. The
But all statements made on behalf of a company over an electronic channel, be it Facebook, Twitter or something else, also are subject to legal ramifications.
The United Nations Commission on International Trade (UNICTRAL) Model Law on Electronic Commerce, which serves as the basis for many national laws, defines a “data message” as “information generated, sent, received, or stored by electronic, optical, or similar means including, but not limited to, electronic data interchange (EDI), electronic mail, telegram, telex, or telecopy.”
A discussion of some of the legal ramifications of social media information can be found
What's the best way for insurers to approach these matters? It doesn't make sense to attempt to clamp down or choke off employee usage of these channels. If anything, they're opening new doors to markets and rich customer engagements. Any insurance company that attempts to choke off employee social media adoption will fall behind, and subject itself to an over-controlling and hidebound environment.
The best approach is to have well-defined and well-communicated social media usage policies, which help to make employees aware of what they can and should not say in online venues.
Many new legal areas continue to be tested. But, just as it has been in any forum for years, it's important for companies to make sure employees are trained and knowledgeable when it comes to representing the company to the world.
Joe McKendrick is an author, consultant, blogger and frequent INN contributor specializing in information technology.
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