网络保险基础知识.pdf

1、The Fundamentals of Cyber Insurance#BHUSABlackHatEventsTiago Henriques-VP of Research Coalition,Inc.Agenda#BHUSABlackHatEventsCyber insurance-What is it and why is it needed?What is covered?What does it include?Underwriting-How insurers use data to understand digital riskMyth bustingDoes cyber insur

2、ance replace a need for cybersecurity?Is it true that cyber insurance doesnt pay claims?Is cyber insurance fueling ransomware?How cyber insurance can help cybersecurityWhat is cyber insurance?#BHUSABlackHatEventsCyber insurance policies safeguard organizations against financial losses stemming fromc

3、yber incidents,such as data breaches,ransomware attacks,and network outages.Whats included in cyber insurance policies varies widely.Some policies cover only specific types of cyber events and may include sub-limits forcertain attacks,like ransomware.It is not a replacement for the need for cybersec

4、urity.Parts of the industry care about events affecting an individual organization(e.g.,MGAs,andcarriers that sell primary insurance),while others only care about big events that affect a lotof people(e.g.,reinsurance carriers).#BHUSA BlackHatE ventsOther Coverages(available by endorsement)Event Res

5、ponseMedia and Professional LiabilityMisc.Professional Liability(available byendorsement)3rd Party Security and PrivacyCyber CrimeNetwork&Information Security LiabilityRegulatoryDefense&PenaltiesPCI Fines&Funds Transfer AssessmentsLiabilityMultimedia Content LiabilityTechnology Errors&Omissions(avai

6、lable byendorsement)Funds Transfer Fraud,Personal Funds Fraud,and Social EngineeringService Fraud including CryptojackingImpersonationInvoice Repair&PhishingManipulationBreach Response CostsCyber Extortion(Ransomware)BusinessDigital AssetInterruptionRestoration&Extra ExpensesCrisis Mgmt&and PRProof