驾驭不断变化的网络保险格局.pdf

1、Navigating the Evolving Landscape of Cyber Insurance SecTor 2024 Danny Pehar 2The global Cyber Insurance premium will eclipse the property insurance premium by 2040 Gallagher Re3#4 Cyber insecurity World Economic Forum Top Global Risks-2024 Cyber Insurance 4Cyber Insurance April 1997 5The brain-chil

2、d of Steve HaaseInsurance broker and senior vice president at Hamilton Dorsey Alston Co.Originally called Internet Security Liability(ISL)An insurance policy tailored to the risks of e-commerce Underwritten by insurance firm American International Group(AIG)History of Cyber Insurance 6The ISL covera

3、ge aimed at protecting retailers like Amazon Amazon sold 148 million worth of books in 1997 The standard ISL plan would provide$250,000 of coverageThe premium plan was priced at$2500 annuallyOrganizations that had their websites security audited and certified by the National Computer association qua

4、lified for a 25 percent discount Early problems with widespread adoption 7Many customers were initially hesitant because of Y2K The competing budget for Y2K delayed the market for about 3 yearsIn 2000,after Y2K threat finally receded,the dot-com bubble burst and the industry lost a third of its clie

5、nts overnightCyber Insurance 2017 8In 2017 Cyber Insurance represented the fastest growing sector of the insurance industryThere were 471 firms selling cyber insurance polices The brough in more than$3 billion in premiumsRansomware 9In the late 1980s,criminals were already holding encrypted files ho

6、stage in exchange for cash sent via the postal service.One of the first ransomware attacks ever documented was the AIDS trojan(PC Cyborg Virus)that was released via floppy disk in 1989Victims needed to send$189 to a P.O.box in Panama to restore access to their systemsDespite its long history,ransomw