Cyber war and terrorism : towards a common language to promote insurability

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      <subfield code="a">The purpose of this research report is twofold. First, it aims to contribute to the debate on definitions of cyber war and cyber terrorism by proposing a new term, hostile cyber activity (HCA). Not intended to be binding or definitive, the term reduces the ambiguity surrounding an increasingly prevalent type of activity that falls somewhere between cyber terrorism and cyber war. Greater clarity should also improve the consistency and transparency with which the associated spectrums of risks are underwritten. Second, the report lays the groundwork for two forthcoming papers on cyber terrorism and cyber warfare. A common language with which to discuss and more accurately insure cyber activity will help to better define the limits of what can be privately re/insured. The two papers will examine attribution, international coordination and impact and quantification and shed light on potential public-private solutions designed to facilitate the development of a robust and sustainable commercial re/insurance market for cyber risk. The Geneva Association and the International Forum of Terrorism Risk (Re) Insurance Pools (IFTRIP) are uniquely placed to offer the perspectives presented in this paper. Both have diverse, international memberships and networks of expertise which, combined, were able to offer the necessary range of practitioners' insights into the different aspects of this multifaceted peril.</subfield>
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