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Insurance and enterprise : cyber insurance for ransomware
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MAP20230012345
Baker, Tom ‌
Insurance and enterprise : cyber insurance for ransomware / Tom Baker, Anja Shortland
Sumario: 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
En: Geneva papers on risk and insurance : issues and practice. - Geneva : The Geneva Association, 1976- = ISSN 1018-5895. - 03/04/2023 Volumen 48 Número 2 - abril 2023 , p. 275-299
1. Ciberseguridad ‌. 2. Empresas de seguros ‌. 3. Pérdidas ‌. 4. Ransomware ‌. 5. Sistemas de información ‌. 6. Ciberataques ‌. I. Shortland, Anja ‌.