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3 résultats pour « Cyber insurance »

The Changing Landscape of Cyber Risk: An Empirical Analysis of Frequency, Severity, and Tail Dynamics

16 mai 2024 Autre, cyber risk, Cyber insurance, Heavy tails, change point detection, Report delay, Quantification des risques, Résilience numérique

Cyber risk presents significant challenges to society, yet its statistical behavior remains insufficiently understood. This paper analyzes three databases to study cyber risk dynamics. It identifies increasing frequency and severity, particularly in malicious events since 2018. Persistent heavy-tailedness across risk categories implies lower insurance demand and potentially heightened risk levels for firms.

An Integrated Study of Cybersecurity Investments and Cyber Insurance Purchases

8 déc. 2023 Autre, Cybersecurity, Cyber risk, Cyber insurance, Risk management, Nash equilibrium, Network contagion, Quantification des risques, Résilience numérique

This study explores cyber risk in businesses, suggesting cybersecurity investment and insurance as key strategies. Using a network model, it examines firms' interconnected decisions, defining a Nash equilibrium where firms optimize cybersecurity and insurance. Findings highlight their interdependence and how network structures affect choices, reinforced by numerical analyses.

Cyber Insurance Risk: Reporting Delays, ThirdParty Cyber Events, and Changes in Reporting Propensity

10 oct. 2023 Autre, Cyber insurance, Reporting, Data breaches, Third-party, Cyber threats, Résilience numérique

Amid growing cyber threats, research on cyber insurance risk has been limited by data constraints. This paper addresses this gap by utilizing overlooked public data from U.S. state Attorneys General, offering insights into the actual scope of cyber insurance risk. The data, derived from mandatory data breach reporting, provides valuable information for pricing, reserving, underwriting, and experience monitoring in the cyber insurance industry.

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