Inshorense ea kotsi ea cyber: Ho itšireletsa khahlanong le botlokotsebe ba marang-rang

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Inshorense ea kotsi ea cyber: Ho itšireletsa khahlanong le botlokotsebe ba marang-rang

Inshorense ea kotsi ea cyber: Ho itšireletsa khahlanong le botlokotsebe ba marang-rang

Sengoloa sa sehloohoana
Inshorense ea Cyber ​​​​e se e hlokahala ho feta leha e le neng pele ha lik'hamphani li ba le palo e e-so ka e bonoa ea litlhaselo tsa cyber.
    • Author:
    • Lebitso la sengoli
      Quantumrun Ponelopele
    • August 31, 2022

    Kakaretso ea kutloisiso

    Inshorense ea kotsi ea Cyber ​​​​e bohlokoa bakeng sa likhoebo ho itšireletsa ka lichelete khahlano le litlamorao tsa botlokotsebe ba marang-rang, ho lefella litšenyehelo tse kang ho khutlisa sistimi, litefiso tsa molao, le likotlo tse tsoang ho tlolo ea molao. Tlhokahalo ea inshorense ena e eketsehile ka lebaka la tlhaselo e ntseng e eketseha ea cyber liindastering tse fapaneng, 'me likhoebo tse nyane li kotsing haholo. Indasteri e ntse e tsoela pele, e fana ka ts'ebetso e pharalletseng ha e ntse e khetha le litekanyetso tse ntseng li eketseha ka lebaka la ho phahama le ho teba ha liketsahalo tsa cyber.

    Boemo ba inshorense ea kotsi ea Cyber

    Inshorense ea kotsi ea Cyber ​​​​e thusa ho sireletsa likhoebo liphellong tsa lichelete tsa cybercrime. Mofuta ona oa inshorense o ka thusa ho lefella litšenyehelo tsa ho tsosolosa litsamaiso, data, le litefiso tsa molao kapa likotlo tse ka 'nang tsa etsoa ka lebaka la tlōlo ea molao. Se qalileng e le lekala la niche, inshorense ea cyber e fetohile ntho ea bohlokoa ho lik'hamphani tse ngata.

    Linokoane tsa marang-rang li fetohile tse tsoetseng pele haholo lilemong tsa bo-2010, li shebane le liindasteri tse phahameng joaloka mekhatlo ea lichelete le litšebeletso tsa bohlokoa. Ho latela tlaleho ea 2020 Bank of International Settlements, lekala la lichelete le bile le palo e phahameng ka ho fetisisa ea litlhaselo tsa cyber nakong ea seoa sa COVID-19, le lateloa ke indasteri ea tlhokomelo ea bophelo. Haholo-holo, litšebeletso tsa tefo le li-insurers e ne e le liphofu tse atileng haholo tsa phishing (ke hore, linokoane tsa marang-rang tse romellang mangolo-tsoibila a nang le kokoana-hloko le ho iketsa eka ke lik'hamphani tse molaong). Leha ho le joalo, leha lihlooho tse ngata li shebane le lik'hamphani tse kholo, joalo ka Target le SolarWinds, likhoebo tse ngata tse nyane le tse mahareng le tsona li ile tsa hlokofatsoa. Mekhatlo ena e menyenyane ke eona e kotsing ka ho fetisisa 'me hangata ha e khone ho khutlela morao ka mor'a ketsahalo ea ransomware. 

    Ha lik'hamphani tse ngata li fallela lits'ebeletso tsa marang-rang le tse thehiloeng marung, bafani ba inshorense ba ntse ba theha liphutheloana tse felletseng tsa inshorense ea kotsi ea cyber, ho kenyeletsoa bosholu ba marang-rang le ho hlaphoheloa ha botumo. Litlhaselo tse ling tsa cyber li kenyelletsa boenjiniere ba sechaba (bosholu ba boitsebiso le boqapi), malware, le bohanyetsi (ho hlahisa lintlha tse mpe ho li-algorithms tsa ho ithuta mochini). Leha ho le joalo, ho na le likotsi tse ling tsa cyber tseo bo-inshorense ba ke keng ba li koahela, ho kenyelletsa tahlehelo ea phaello ho tsoa ho litlamorao tsa tlhaselo, bosholu ba thepa ea mahlale, le litšenyehelo tsa ho ntlafatsa cybersecurity ho itšireletsa litlhaselong tse tlang. Likhoebo tse ling li qositse bafani ba inshorense ba 'maloa ka ho hana ho koahela ketsahalo ea botlokotsebe ba marang-rang hobane ho ne ho thoe ha e akaretsoe leanong la bona. Ka lebaka leo, lik'hamphani tse ling tsa inshorense li tlalehile tahlehelo tlas'a maano ana, ho latela feme ea khoebo ea inshorense ea Woodruff Sawyer.

    Tšusumetso e senyang

    Mefuta e mengata ea maano a inshorense ea kotsi ea cyber e teng, 'me mokhoa o mong le o mong o tla fana ka maemo a fapaneng a tšireletso. Kotsi e tloaelehileng e koahetsoeng ke maano a fapaneng a inshorense ea kotsi ea cyber ke tšitiso ea khoebo, e ka kenyelletsang linako tsa ts'ebeletso (mohlala, ho tima sebaka sa marang-rang), ho bakang tahlehelo ea chelete le litšenyehelo tse ling. Tsosoloso ea data ke sebaka se seng se koahetsoeng ke inshorense ea kotsi ea cyber, haholo ha ts'enyo ea data e le matla mme e ka nka libeke ho khutlisa.

    Bafani ba liinshorense ba fapaneng ba kenyelletsa litšenyehelo tsa ho hira boemeli ba molao bo bakoang ke linyeoe kapa linyeoe tse bakoang ke ho tlola molao. Qetellong, inshorense ea kotsi ea cyber e ka koahela likotlo le likotlo tse behiloeng khoebong bakeng sa ho lutla ha tlhahisoleseling efe kapa efe, haholo data ea bareki.

    Ka lebaka la liketsahalo tse ntseng li eketseha tsa litlhaselo tsa marang-rang tsa boemo bo holimo le tse tsoetseng pele (haholo-holo tsa 2021 Colonial Pipeline hack), bafani ba inshorense ba nkile qeto ea ho nyolla litefiso. Ho ea ka mokhatlo oa National Association of Insurance Commissioners, mekhatlo e meholo ka ho fetisisa ea liinshorense ea United States e ile ea bokella keketseho ea 92 lekholong ea litefello tsa bona tse ngotsoeng ka ho toba. Ka lebaka leo, indasteri ea inshorense ea cyber ea US e theotse sekhahla sa tahlehelo e tobileng (peresente ea chelete e lefuoang ba batlang likopo) ho tloha ho liperesente tse 72.5 ka 2020 ho isa ho liperesente tse 65.4 ka 2021.

    Ntle le ho eketseha ha litheko, li-insurers li se li le thata mekhoeng ea bona ea ho hlahloba. Mohlala, pele ba fana ka liphutheloana tsa inshorense, bafani ba etsa tlhahlobo ea morao-rao ho lik'hamphani ho lekola hore na ba na le mehato ea mantlha ea cybersecurity. 

    Litlamorao tsa inshorense ea kotsi ea cyber

    Litlamorao tse pharalletseng tsa inshorense ea kotsi ea cyber li ka kenyelletsa: 

    • Khohlano e ntseng e eketseha lipakeng tsa bafani ba inshorense le bareki ba bona ha liinshorense li ntse li eketsa litokoloho tsa bona tsa tšireletso (mohlala, liketsahalo tsa ntoa).
    • Indasteri ea inshorense e ntse e tsoela pele ho eketsa litheko ha liketsahalo tsa marang-rang li ntse li ata le ho ba matla.
    • Likhamphani tse ngata li khetha ho reka liphutheloana tsa inshorense ea kotsi ea cyber. Leha ho le joalo, ts'ebetso ea ho hlahloba e tla ba e rarahaneng le ho nka nako, e leng ho etsang hore ho be thata le ho feta hore likhoebo tse nyane li fumane tšireletso ea inshorense.
    • Keketseho ea matsete a tharollo ea cybersecurity, joalo ka software le mekhoa ea netefatso, bakeng sa lik'hamphani tse batlang ho tšoaneleha bakeng sa inshorense.
    • Li-Cybercriminals li qhekella bafani ba inshorense ka bobona ho hapa bareki ba bona ba ntseng ba hola. 
    • Mebuso butle-butle e etsa melao ea lik'hamphani ho sebelisa ts'ireletso ea cybersecurity ts'ebetsong ea eona le litšebelisanong le bareki.

    Lipotso tse lokelang ho nahanoa

    • Na k'hamphani ea hau e na le inshorense ea kotsi ea cyber? E akaretsa eng?
    • Ke mathata afe a mang a ka bang teng bakeng sa liinshorense tsa cyber ha tlolo ea molao e ntse e fetoha?

    Litšupiso tsa temohisiso

    Lihokelo tse latelang tse tsebahalang le tsa mekhatlo li ile tsa hlalosoa bakeng sa temohisiso ena:

    European Insurance le Occupational Pensions Authority Likotsi tsa Cyber: Tšusumetso ke efe indastering ea inshorense?
    Setsi sa Tlhahisoleseling ea Inshorense Likotsi tsa boikarabello ba Cyber