A cyber event at the marketplace’s cloud hosting provider took the platform offline for nearly two days during a peak sales period. Sellers could not accept bookings, support costs rose, and the business lost fee income while services were down.

Business interruption losses arising from system downtime may be covered under Cyber & Technology Insurance where caused by a security failure or systems failure, including certain third-party service disruptions

A scammer copied the marketplace brand and sent buyers fake payment links that looked genuine. Several users paid for items that were never supplied and then demanded the platform reimburse their losses and warn other customers.

Claims arising from impersonation scams may be covered under Cyber & Technology Liability where linked to a security failure, or under Professional Indemnity where legal liability is alleged

A cyber attacker accessed customer names, email addresses, ID documents and payment details stored in the platform. Affected users alleged the marketplace failed to keep their information secure and reported scam activity after the breach.

Claims arising from unauthorised access to customer data and related privacy breaches may be covered under Cyber and Privacy Liability, including response and liability costs

A booking sync error let two users confirm the same holiday rental for the same dates. The guest arrived to find the property unavailable, then sought compensation from the marketplace for extra travel, accommodation and related costs.

Claims arising from errors or failures in booking or platform systems may be covered under Professional Indemnity where the insured is legally liable.