Cyber ​​​​risk insurance: Tiv thaiv kev tiv thaiv cybercrimes

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Cyber ​​​​risk insurance: Tiv thaiv kev tiv thaiv cybercrimes

Cyber ​​​​risk insurance: Tiv thaiv kev tiv thaiv cybercrimes

Subheading ntawv nyeem
Cyber ​​​​insurance tau dhau los ua qhov tsim nyog ntau dua li cov tuam txhab lag luam tau ntsib ntau yam tsis tau muaj dua los ntawm kev tawm tsam cyber.
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      Quantumrun Foresight
    • Lub yim hli ntuj 31, 2022

    Cov ntsiab lus ntawm kev nkag siab

    Cyber ​​​​kev pheej hmoo pov hwm yog qhov tseem ceeb rau cov lag luam los tiv thaiv lawv tus kheej los ntawm kev cuam tshuam ntawm cybercrime, suav nrog cov nqi xws li kev kho dua tshiab, cov nqi raug cai, thiab kev nplua los ntawm cov ntaub ntawv ua txhaum cai. Qhov kev thov rau qhov kev tuav pov hwm no tau nce siab vim muaj kev tawm tsam cyber rau ntau yam kev lag luam, nrog rau cov lag luam me yog qhov tshwj xeeb. Kev lag luam tab tom hloov zuj zus, muab kev pabcuam dav dav thaum tseem muaj kev xaiv ntau dua thiab nce tus nqi vim qhov nce zaus thiab qhov hnyav ntawm cyber xwm txheej.

    Cyber ​​​​risk insurance ntsiab lus

    Cyber ​​​​kev pheej hmoo pov hwm pab tiv thaiv kev lag luam los ntawm kev cuam tshuam nyiaj txiag ntawm cybercrime. Hom kev tuav pov hwm no tuaj yeem pab them cov nqi kho mob, cov ntaub ntawv, thiab cov nqi raug cai lossis kev nplua uas yuav tshwm sim vim muaj cov ntaub ntawv ua txhaum cai. Dab tsi tau pib ua lag luam niche, cyber insurance tau dhau los ua qhov tseem ceeb rau cov tuam txhab feem ntau.

    Cybercriminals tau dhau los ua cov neeg txawj ntse thaum xyoo 2010, tsom rau cov lag luam muaj feem cuam tshuam zoo li cov tuam txhab nyiaj txiag thiab cov kev pabcuam tseem ceeb. Raws li tsab ntawv tshaj tawm xyoo 2020 Bank of International Settlements, kev lag luam nyiaj txiag tau ntsib ntau tshaj plaws ntawm kev tawm tsam cyber thaum lub sijhawm COVID-19 kis thoob ntiaj teb, ua raws li kev lag luam kho mob. Tshwj xeeb, cov kev pab them nqi thiab cov ntawv pov hwm yog lub hom phiaj feem ntau ntawm phishing (piv txwv li, cyber criminals xa email kis tus kab mob thiab ua txuj ua lag luam raug cai). Txawm li cas los xij, txawm hais tias feem ntau cov xov xwm tsom rau cov tuam txhab loj, xws li Target thiab SolarWinds, ntau lub lag luam me thiab nruab nrab kuj raug tsim txom. Cov koom haum me me no yog qhov yooj yim tshaj plaws thiab feem ntau tsis tuaj yeem rov qab los tom qab muaj xwm txheej ransomware. 

    Raws li ntau lub tuam txhab tsiv mus rau hauv online thiab huab-based cov kev pabcuam, cov chaw muab kev pov hwm tau tsim cov pob ntawv pov hwm kev pheej hmoo cyber ntau dua, suav nrog cyber extortion thiab rov qab lub koob npe nrov. Lwm qhov kev tawm tsam cyber suav nrog kev tsim vaj tsev sib raug zoo (tus neeg nyiag khoom thiab tsim khoom), malware, thiab kev tawm tsam (qhia cov ntaub ntawv tsis zoo rau tshuab kev kawm algorithms). Txawm li cas los xij, muaj qee qhov kev pheej hmoo cyber uas cov tuam txhab tuav pov hwm yuav tsis them, suav nrog cov txiaj ntsig poob los ntawm cov txiaj ntsig tom qab kev tawm tsam, kev nyiag khoom ntiag tug, thiab tus nqi ntawm kev txhim kho cybersecurity los tiv thaiv kev tawm tsam yav tom ntej. Qee lub lag luam tau foob ntau tus neeg muab kev pov hwm rau qhov tsis kam them rau qhov xwm txheej cybercrime vim tias nws yuav tsum tsis suav nrog lawv txoj cai. Yog li ntawd, qee lub tuam txhab tuav pov hwm tau tshaj tawm kev poob raws li cov cai no, raws li kev tuav pov hwm tus tuam txhab Woodruff Sawyer.

    Kev cuam tshuam

    Muaj ntau hom kev tuav pov hwm kev pheej hmoo cyber muaj nyob, thiab txhua txoj hauv kev yuav muab cov kev pab cuam sib txawv. Ib qho kev pheej hmoo uas tau them los ntawm ntau yam kev pov hwm kev pheej hmoo cyber yog kev cuam tshuam kev lag luam, uas tuaj yeem suav nrog cov kev pabcuam poob qis (xws li, lub vev xaib blackout), ua rau cov nyiaj tau los thiab cov nuj nqis ntxiv. Kev kho cov ntaub ntawv yog lwm qhov chaw uas them los ntawm kev pov hwm kev pheej hmoo cyber, tshwj xeeb yog thaum cov ntaub ntawv puas hnyav thiab yuav siv sij hawm ntau lub lis piam los kho.

    Ntau lub chaw muab kev pov hwm suav nrog cov nqi ntiav neeg sawv cev raug cai uas tshwm sim los ntawm kev foob lossis kev foob los ntawm kev ua txhaum cov ntaub ntawv. Thaum kawg, kev pov hwm kev pheej hmoo cyber tuaj yeem them rau cov kev nplua thiab kev nplua nyiaj rau kev lag luam rau txhua qhov xau ntawm cov ntaub ntawv rhiab, tshwj xeeb tshaj yog cov ntaub ntawv tus kheej.

    Vim tias muaj qhov xwm txheej loj zuj zus ntxiv thiab kev sib tw cyberattacks (tshwj xeeb tshaj yog xyoo 2021 Colonial Pipeline hack), cov kws kho mob tau txiav txim siab nce nqi. Raws li lub koom haum saib xyuas kev pov hwm National Association of Insurance Commissioners, cov tuam txhab pov hwm loj tshaj plaws hauv Asmeskas tau sau 92 feem pua ​​​​nce hauv lawv cov nqi sau ncaj qha. Raws li qhov tshwm sim, Asmeskas kev lag luam cyber insurance txo nws qhov kev poob ncaj qha (feem pua ​​​​ntawm cov nyiaj tau los them rau cov neeg thov) los ntawm 72.5 feem pua ​​​​hauv 2020 rau 65.4 feem pua ​​​​hauv 2021.

    Dhau li ntawm tus nqi nce, cov ntawv pov hwm tau ua nruj dua hauv lawv cov txheej txheem tshuaj ntsuam. Piv txwv li, ua ntej muab cov ntawv pov hwm kho mob, cov chaw muab kev pab cuam ua ib qho kev txheeb xyuas keeb kwm ntawm cov tuam txhab los ntsuas seb lawv puas muaj kev ntsuas kev nyab xeeb hauv cybersecurity. 

    Qhov cuam tshuam ntawm cyber risk insurance

    Kev cuam tshuam dav dav ntawm kev pov hwm kev pheej hmoo cyber tuaj yeem suav nrog: 

    • Kev ntxhov siab ntxiv ntawm cov chaw muab kev pov hwm thiab lawv cov neeg tau txais kev pab raws li cov neeg tuav pov hwm nthuav dav lawv cov kev zam (xws li, xwm txheej ntawm kev ua tsov ua rog).
    • Kev tuav pov hwm kev lag luam txuas ntxiv nce nqi raws li qhov xwm txheej cyber ntau dua thiab hnyav.
    • Ntau lub tuam txhab xaiv los yuav cov pob ntawv pov hwm kev pheej hmoo cyber. Txawm li cas los xij, cov txheej txheem kev tshuaj xyuas yuav dhau los ua qhov nyuaj thiab siv sijhawm, ua rau nws nyuaj rau cov lag luam me kom tau txais kev pov hwm.
    • Kev nqis peev ntau ntxiv hauv kev daws teeb meem cybersecurity, zoo li software thiab cov txheej txheem kev lees paub, rau cov tuam txhab uas xav tsim nyog tau txais kev pov hwm.
    • Cybercriminals nyiag cov neeg muab kev pov hwm lawv tus kheej los ntes lawv cov neeg siv khoom loj hlob. 
    • Tsoomfwv maj mam tso cai rau cov tuam txhab siv kev tiv thaiv cybersecurity hauv lawv cov haujlwm thiab kev cuam tshuam nrog cov neeg siv khoom.

    Cov lus nug los xav txog

    • Koj lub tuam txhab puas muaj kev pov hwm kev pheej hmoo cyber? Nws npog dab tsi?
    • Dab tsi yog lwm yam kev nyuaj rau cyber insurers li cybercrimes evolve?

    Insight references

    Cov nram qab no nrov thiab cov koom haum txuas tau raug xa mus rau qhov kev pom no:

    Cov Ntaub Ntawv Pov Hwm Lub Koom Haum Cyber ​​​​kev lav ris