Insurance and enterprise : cyber insurance for ransomware

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      <subfield code="a">This paper highlights ex post loss reduction as a form of insurance-based governance. Drawing on interviews with industry insiders, we explore how insurers addressed the evolving problems of moral hazard, uncertainty and correlated losses since the 1990s. We find that cyber insurance developed sophisticated remedies to contain liabilities and quickly restore affected IT systems, but largely left security decisions to the insured. This facilitated enterprise in the short run but undermined security in the longer term: funding and expediting ransom payments encourages further attacks </subfield>
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      <subfield code="g">03/04/2023 Volumen 48 Número 2 - abril 2023 , p. 275-299</subfield>
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