What is Electronic Performance Review?
Electronic Performance Review is an insurance-oriented description for coverage and risk management related to online systems that collect, evaluate or store performance data — for example, software platforms used to review staff, track event outcomes, or manage medical ePCR records. Policies in this area focus on liability from errors in data handling, software faults, interruptions to web services, and resulting third‑party claims. Related coverage considerations can include commercial liability, data breach exposures, and equipment coverage for hardware that supports the system.
Who needs it
Organizations that rely on digital review platforms often seek this protection. Typical buyers include clubs and associations, event organizers, healthcare providers using ePCR systems, and small to mid‑size operators who publish evaluations or performance metrics online. If your operations create or host reviews that affect hiring, licensing, or payment decisions, you may face reputational or financial exposures that make this coverage useful.
What it typically covers
Coverage can vary by insurer, but common elements include defense and third‑party liability for mistakes in published data, costs to restore lost or corrupted data, and business interruption losses tied to website outages. Underwriters may also offer endorsements for related exposures such as participant accident coverage, event liability, or property coverage for hardware. Carriers will assess software maturity, backup procedures, and cybersecurity controls when quoting.
For issues specific to medical reporting systems, see ePCR Software Insurance for examples of how carriers evaluate clinical‑recording platforms.
Common exclusions or limitations
Policies commonly exclude intentional misconduct, known prior acts, and criminal activity by insured parties. Many forms limit coverage for regulatory fines, punitive damages, and certain cybercrime losses unless expressly endorsed. Look for restrictions tied to outsourcing, third‑party integrations, or deficiencies in routine backups and change control.
Factors that influence cost
Underwriting factors include system complexity, number of users, average transaction volume, historical incidents, presence of encryption and redundancy, and whether the platform integrates payment processing. Event frequency, geographic scope, and whether you host personally identifiable or health information will also affect premiums. Insurers may offer risk management credits for documented procedures and regular audits.
Proof of insurance & compliance
Many venues, vendors, or clients require a certificate of insurance showing limits and specific endorsements. Proof can also be part of contractual compliance when providing reviews or performance data to third parties. If your operations support revenue‑critical web services, you might pair liability protection with business interruption or website revenue coverage; see Insurance-focused overview: redundancy, EEOC, experience rating, chemical hazards, e-commerce cybersecurity for related considerations.
How to get a quote
Gather a brief description of the software, number of users, data types handled, backup and security practices, and any past claims. Talk to your agent to discuss limits, deductibles, and endorsements tailored to your operations; you can also request an online estimate directly. For examples of E&O approaches that underwriters use, review Electronic Data Processors Errors and Omissions Liability Insurance.
Frequently Asked Questions
Do standard general liability policies cover mistakes in electronic reviews?
Not usually. General liability may cover bodily injury or property damage but often excludes professional errors or electronic data losses; a specialized errors & omissions or technology liability endorsement may be needed.
Will my policy cover a website outage that stops revenue?
Some policies include business interruption or website revenue loss coverage if endorsed; these depend on documented redundancy and continuity plans and are subject to limits and waiting periods.
What information should I keep to speed a claim?
Maintain incident logs, backup/restoration reports, user access records, and communication with affected parties. Insurers typically ask for these when evaluating a loss.
Still have questions? Talk to a local insurance expert.