1,602 karma · joined March 6, 2011
But it was a bit infuriating to realize how huge an impact it was having on my kids who were being socially excluded for the sin of Android. Many children have ipads and hand me down iphones with no SIM just for iMessage, which they all just refer to as texting.
I actually found it a bit offensive, as in "how stupid do they think I am to be tempted to buy a book I already bought from Amazon", mixed with being puzzled and confused over why a company like Amazon would do such a disservice to its shareholders by doing advertising so very poorly and leaving money on the table.
Two of the things that struck me about this market are (a) the insurance companies require their customers to get serious about mitigating the risk. Employees all have to attend training on how to avoid kidnapping and what to do when it happens, the insurance customer has to take other measures to limit where they go, the customer has to beef up physical security, etc. And there are some situations they refuse to insure, so that's a big red flag. The insurance company becomes a partner in doing everything they can to prevent kidnappings. and (b) customers are sworn to secrecy and may not reveal that they have this insurance. Employees don't know they are insured against kidnapping. They don't want kidnapped employees spilling the beans.
The insurers have local negotiators in their employ who often have longstanding relationships with the kidnappers.
Anyways, a bit tangential, but I learned a lot about this niche industry, and it gave me more of an appreciation for how insurers can raise the professionalism of their customers in their efforts to minimize risks. A similar approach with the benefit of setting standards could definitely apply to cybercrime insurance.
The city regularly publishes tests breaking it all down:
http://www.seattle.gov/utilities/your-services/water/water-q...
Freecycle on the other hand has broader distribution in one sense in that they don't force you to limit your audience. And no reliance on Facebook.