Cyber-insurance: Melao ea inshorense e kena lekholong la bo21 la lilemo

• Author:
• Lebitso la sengoli

  Quantumrun Ponelopele
• November 30, 2021

Ho eketseha ha litlhaselo tsa marang-rang ho lebisitse ho ngongoreho e ntseng e hola har'a batho le likhoebo, e leng se bakileng ho phahama ha inshorense ea cyber. Ha maemo a ts'okelo a ntse a tsoela pele, karolo ea inshorense ea cyber e ntse e fetoha ho tloha ho ts'ebetsong ho ea ho boemo ba ts'ebetso, ka li-insurers tse thusang bareki ho ntlafatsa mehato ea bona ea cybersecurity. Phetoho ena e khothaletsa moetlo oa boikarabello bo arolelanoang, o ka lebisang mekhoeng e sireletsehileng ea marang-rang, e susumetsang boqapi ba theknoloji, le ho khothaletsa molao o mocha bakeng sa tikoloho e sireletsehileng haholoanyane ea dijithale.

Boemo ba inshorense ea cyber

Ho ea ka 2021 US Federal Bureau of Investigation, ho tloha ka 2016, litlhaselo tse fetang 4,000 tsa thekollo li etsahetse United States. Ke keketseho ea liperesente tse 300 ho feta 2015 ha ~ 1,000 litlhaselo tsa ransomware li tlalehiloe. Malware, bosholu ba boitsebiso, bosholu ba data, bomenemene, le bompoli ba inthaneteng kaofela ke mehlala ea litlhaselo tsa marang-rang. Ho phaella tahlehelong e bonahalang ea lichelete e kang ho lefa thekollo kapa ho etsa hore senokoane se sebelise karete ea motho ea ho reka ka mokitlane, beng ba likhoebo ba ka 'na ba ba le mathata a lichelete le ho feta. 

Ho sa le joalo, bakeng sa bareki ka kakaretso, ho latela phuputso ea 2019 e entsoeng ke Verisk, mokhatlo oa analytics oa data, ba fetang karolo ea bobeli ho tse tharo ea ba hlahlobiloeng ba tšoenyehile ka cyberattack, mme hoo e ka bang karolo ea boraro e kile ea ba phofu.

Ka lebaka leo, li-insurers tse ling li se li fana ka inshorense ea botho ea cyber ho fokotsa tse ling tsa likotsi tsena. Liketsahalo tse fapaneng li ka tsosa likopo tsa inshorense ea cyber, empa tse atileng haholo li kenyelletsa ransomware, litlhaselo tsa bomenemene ba phetisetso ea letlole, le merero ea ho sekisetsa lengolo-tsoibila la khoebo. Litsenyehelo tsa inshorense ea cyber li khethoa ke mekhoa e mengata, ho kenyelletsa le boholo ba k'hamphani le chelete ea eona ea selemo le selemo.

Tšusumetso e senyang

Ha maemo a litšokelo tsa cyber a ntse a tsoela pele ho fetoha, karolo ea inshorense ea cyber e lebelletsoe ho fetoha ho tloha ho ts'ebetso feela ho ea ho ts'ebetso e matla. Bafani ba inshorense ba kanna ba qala ho bapala karolo e matla ho thusa bareki ba bona ho matlafatsa mehato ea bona ea cybersecurity. Ba kanna ba fana ka lits'ebeletso tse joalo ka tlhahlobo ea ts'ireletso ea kamehla, mananeo a koetliso ea basebetsi, le likhothaletso tsa software ea ts'ireletso. Phetoho ena e ka lebisa likamanong tsa tšebelisano-mmoho lipakeng tsa bo-inshorense le mekha e nang le inshorense, ho khothaletsa moetlo oa ho arolelana boikarabello ho loants'eng litšokelo tsa marang-rang.

Ha nako e ntse e ea, sena se ka lebisa phetohong e kholo tseleng eo lik'hamphani li atamelang cybersecurity. Ho e-na le ho e talima e le litšenyehelo tse boima, lik’hamphani li ka ’na tsa qala ho e talima e le letsete le ka ’nang la theola litefiso tsa tsona tsa inshorense. Sena se ka khothaletsa lik'hamphani ho nka mehato e matla ea cybersecurity, e lebisang phokotsong ea khafetsa le ho teba ha litlhaselo tsa cyber. Ntle le moo, sena se ka khothaletsa boqapi indastering ea cybersecurity, ha tlhoko ea litharollo tse tsoetseng pele tsa ts'ireletso e ntse e eketseha.

Mebuso e ka boela ea rua molemo ho nts'etsopele ea inshorense ea cyber. Ha lik'hamphani li matlafatsa mehato ea tsona ea cybersecurity, kotsi e akaretsang ea litlhaselo tse kholo tsa marang-rang tse amang meaho ea bohlokoa e ka fokotsoa. Ho feta moo, mebuso e ka sebetsa le bafani ba inshorense ho nts'etsapele litekanyetso le melaoana ea cybersecurity, ho khothaletsa tikoloho e sireletsehileng haholoanyane ea dijithale bakeng sa bohle.

Litlamorao tsa cyber-insurance

Litlamorao tse pharalletseng tsa kholo ea cyber-insurance li ka kenyelletsa:

• Likhamphani tsa inshorense li ntse li fana ka lits'ebeletso tsa ntlafatso ea cybersecurity ho kenyelletsa le maano a inshorense ea cyber. Ka hona, lik'hamphani tsa inshorense li ka ba har'a ba hirang ba phahameng ka ho fetisisa bakeng sa talenta ea cybersecurity.
• Ho theoa ha mesebetsi e meng e nepahetseng bakeng sa barekisi, ka lebaka la tlhokahalo e ntseng e eketseha ea litsebi tse utloisisang mekhoa ea ho senya le ho itšireletsa khahlanong le tsona.
• Thahasello e eketsehileng ho Thekenoloji ea Boitsebiso boemong ba thuto, e lebisang ho baithuti ba bangata ba hiriloeng, kaha litšokelo tsa cybersecurity li fetoha taba ea sechaba. 
• Litefiso tse holimo tse holimo tsa liphutheloana tsa inshorense ea khoebo ha likarolo tsa cybersecurity li ntse li ata le (mohlomong) tse hlokoang ke molao.
• Sechaba se nang le tsebo ea ho bala le ho feta ha batho ka bomong le likhoebo ba elelloa bohlokoa ba cybersecurity, e lebisang boitšoarong le litloaelo tse sireletsehileng tsa Marang-rang.
• Molao o mocha o lebisang tikolohong ea dijithale e laoloang haholoanyane.
• Ba sa khoneng ho lefella mehato e tsoetseng pele ea ts'ireletso kapa inshorense ea cyber, joalo ka likhoebo tse nyane, ba siuoa ba le kotsing ea litšokelo tsa cyber.

Lipotso tse lokelang ho nahanoa

• Na cyber-insurance e ka thusa ho fokotsa palo ea litlhaselo tsa cyber? 
• Mekhatlo ea inshorense e ka ntlafatsa maano a bona a inshorense joang hore a lumellane le ho amoheloa ka bongata ha cyber-insurance?