Coverage requirements

Online Matchmaking & Dating Platforms

Media, Arts & Publishing68% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Online Matchmaking & Dating Platforms program looks like

Online dating services own and manage dating platforms that operate over the internet. Protecting confidential customer information against security breaches is central to the business. They connect individuals seeking relationships through their online platforms. This Advocate Standard profile responds to the exposures that drive online matchmaking & dating platforms, benchmarking Auto Liability, General Liability, Worker's Compensation, Fidelity Bond, Physical Property and coupling limit and deductible standards with carrier financial-strength requirements.

Key takeaways

  • Spans 155 published requirements across 47 coverage type-peril pairs.
  • Applies to 2 asset types: Commercial Office Building, Media & Publishing Operator.
  • Covers 17 coverage types and 18 distinct perils.

At a glance

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Completion score

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9 of 47 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property9 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Cyber Business Interruption

Ransomware / Cyber Extortion Property≥ 12-month System-Dependent Business Income Value
Overall limit≥ 12-month System-Dependent Business Income Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability8 coverage types

Liquor Liability

Overall limit$1M

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Cyber Liability

Network Security Liability$2M
Privacy Liability$2M
Ransomware / Cyber Extortion$2M
Overall limit$2M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

General Liability

Overall limit$2M
Assault & Battery$5M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Online Matchmaking & Dating Platforms

Every requirement in the Advocate standard, 155 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 155 matching · 155 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Cyber Business InterruptionAcceptable Blanket Cyber Business Interruption DeductibleOverallDeductibleBlanketBlanket Cyber Business Interruption deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Cyber Business InterruptionAcceptable Scheduled Cyber Business Interruption DeductibleOverallDeductibleScheduledScheduled Cyber Business Interruption deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
Liability › Liquor LiabilityLiquor Liability Required When Alcohol Is SoldOverallLimitAllBusinesses that sell alcohol must carry Liquor Liability of at least $1,000,000.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Cyber Business InterruptionSufficient Blanket Cyber Business Interruption - Ransomware / Cyber Extortion LimitRansomware / Cyber Extortion PropertyLimitBlanketBlanket Cyber Business Interruption (Ransomware / Cyber Extortion) limit must be at least the 12-month System-Dependent Business Income Value.

105 more requirements

Compliance

Who requires Online Matchmaking & Dating Platforms

  • Online dating insurance is scrutinized by the partners an online matchmaking and dating platform depends on to run.
  • Payment processors, app stores, and data partners often require cyber and privacy evidence before enabling transactions or integrations.
  • Cloud and hosting vendors, plus equipment lessors, make general liability and property contract conditions.
  • Lenders financing platform development or an office build-out require coverage in place before funding.
  • Carriers and reinsurers underwriting the account, along with brokers placing it, focus on network security, privacy liability, and confidential record exposure.
  • During diligence on a dating platform, venture and private equity investors look for cyber, property, and workers' compensation to be seated.
  • Regulators and advertising partners may also request evidence of privacy and security coverage before engagement, given the sensitivity of member data handled.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place media, arts & publishing coverage.

Exclusions

What Online Matchmaking & Dating Platforms does not cover

  • An online matchmaking and dating platform program anchored by cyber liability, general liability, and property still carries exclusions.
  • With neither directors and officers liability nor employment practices liability in place, investor and staffing disputes land outside the tower.
  • Media and professional liability are not present, so defamation tied to profiles, negligent-matching allegations, and content claims may fall between policies.
  • Standard cyber wording typically excludes pre-existing and known breaches, war and state-sponsored attacks, and losses driven by poor security controls, which underwriters scrutinize closely for dating platforms.
  • Bodily injury arising from a member meeting arranged through the platform, abuse or molestation, and intentional acts are commonly excluded.
  • Contractual liability assumed in partner agreements is often limited, and flood and earthquake usually require separate sublimits distinct from the cyber tower.

Risk advisory

Typical coverage gaps in Media, Arts & Publishing

Online matchmaking and dating platforms concentrate risk in sensitive member data, so the coverage should be stress-tested against a large breach and a regulatory inquiry.

  • Confirm cyber limits reflect the full user base and the cost to notify and protect members after a breach, and include privacy liability, regulatory defense, ransomware, and cyber business interruption for platform downtime.
  • Because underwriters exclude losses from weak security, document controls carefully to preserve coverage.
  • Add media and professional liability to address defamation tied to profiles, negligent-matching claims, and content disputes, which the cyber tower does not cover.
  • Evaluate whether bodily injury or abuse allegations arising from member meetings need a dedicated endorsement, since these are typically excluded.
  • Align contingent business interruption with dependence on cloud and hosting providers, add directors and officers and employment practices coverage as investment grows, and secure standalone flood and earthquake in exposed locations.

FAQ

Frequently asked questions

What insurance do online dating platforms need?

Online matchmaking and dating platforms rely most on cyber liability for data breach response, privacy liability, and ransomware, given the sensitive member data they hold. General liability, property, and workers' compensation support operations, while media and professional liability address profile-related content and matching claims. Directors and officers coverage becomes important as investment grows.

Does cyber insurance cover a dating platform data breach?

Yes. Cyber liability funds breach response, member notification, regulatory defense, and income lost during downtime after a data breach on a dating platform. Coverage generally excludes pre-existing breaches, war, state-sponsored attacks, and losses from poor security practices, so online dating platforms should document their controls carefully to keep claims payable.

Are online dating platforms liable for member meetings arranged online?

Bodily injury or abuse claims arising from a member meeting arranged through a platform are typically excluded from standard cyber, general liability, and property coverage. Online dating platforms concerned about this exposure should ask about dedicated endorsements, since the core program focuses on data and technology risk rather than physical harm between members.

Why is cyber insurance harder to obtain for dating platforms?

Dating platforms hold especially sensitive personal data, making them high-value breach targets, so underwriters scrutinize security controls closely. Weak governance or configuration can lead to higher premiums, exclusions, or declined coverage. Online dating platforms that document strong security practices improve both their terms and the likelihood a breach claim will be paid.

Maintained by

About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

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