What is Cyber Insurance and what does it cover?
Cyber Insurance is used to protect businesses from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities.
A basic Cyber Insurance policy provides 3 areas of cover:
Gestão de Eventos
This involves the expenses of an investigation by third parties to establish the extent of the breach; consultation on how to manage legal and regulatory issues; notification management via a crisis communication strategy; the establishment of a call center to field queries; and the provision of credit monitoring.
Perdas Financeiras
Cobre os custos de defesa decorrentes das obrigações de proteção de dados em relação a uma investigação regulatória e quaisquer multas de proteção de dados (quando seguráveis por lei) que a empresa é legalmente responsável por pagar em relação a tal investigação regulatória devido a uma violação da legislação de proteção de dados.
de Terceiros
Tende a impactar alguns meses depois. Os indivíduos ou empresas afetados apresentarão reclamações ou demandas por escrito por falha na proteção das suas informações, procurarão compensação por perdas financeiras por hackers ou danos por roubo de identidade. O seguro cyber pode fornecer custos de defesa e quaisquer danos resultantes de reivindicações multijurisdicionais.
There are additional areas of coverage available in a Cyber Insurance policy, not included as standard:
Interrupção de Rede
Toma em consideração o aumento dos custos operacionais e a redução dos lucros como resultado de um evento cibernético. É conhecido como interrupção de negócios por danos não físicos, que está excluída do seguro de propriedade.
Multas e prémios PCI
If an organsiation is answerable to the Payment Card Industry Data Security Standards (PCI DSS) there can be heavy penalties in the event of a breach. These costs can be covered by this extension to coverage.
Fornecedores de Serviço
Se um prestador de serviços de terceiros sofrer um evento cibernético que impacte as redes, sistemas ou dados das empresas, então esta extensão pode fornecer uma proteção inestimável para custos, despesas e lucros resultantes.
Falha de Sistema
It is not just cyber security events that can be covered by Cyber Insurance, it is also possible to cover System Failure events. These can result in significant costs and expenses to rectify, claims from customers, loss of profits as well as damage to reputation.
Extorção Cyber
Extortion events are increasing exponentially, with the rise of data ransoming and cyber squatting, costs in managing a cyber-extortion situation, and the ransom itself is a critical element of Cyber Insurance.
Responsabilidade de Media Digital
Danos e custos de defesa incorridos em conexão com uma violação de propriedade intelectual de terceiros ou negligência em conexão com conteúdo electrónico é uma das coberturas que o Seguro de Cyber oferece.
Am I covered by existing insurance arrangements?
Cyber Insurance is one important part of a comprehensive insurance programme. It is likely existing insurance arrangements will have elements of cyber cover but may not provide coverage against all the different scenarios in which a serious cyber event can impact a business. Contact Elmore to undertake a gap analysis of your existing cover to that of cyber to see how you are covered.
Developed for businesses to demonstrate Cyber Security
Cyber Essentials is a UK Government-backed and industry supported scheme to guide businesses in protecting themselves against cyber threats. Implementation of Cyber Essentials controls can significantly reduce the risk of prevalent but unskilled cyber-attack. There are two types of certification:
Requires the organisation to complete a self-assessment questionnaire, with responses independently reviewed by an external certifying body.
Offers a higher level of assurance through the external testing of the organisation’s cyber security approach.
Cyber Essentials accreditation bodies
The UK Government have nominated 4 Accrediting bodies to provide certifications to the cyber essentials scheme. Elmore works with APMG, CREST, e QG Standards. Each accreditation body has a list of agreed certifying bodies that validate the application process.
Cyber Essentials certification bodies
To get a Cyber Essentials Certificate, Elmore have affiliation with a number of Certification bodies. To learn more about this proccess, get in touch.
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Measure my cyber security
Cyber Essentials estabelece cinco controles de segurança que ajudarão todas as organizações a se protegerem contra as ameaças cibernéticas mais comuns. Faça este teste rápido para ter uma ideia de como se está saindo. Após completar o testr, pode então decidir se deseja solicitar um dos emblemas do Cyber Essentials.
Measure my cyber securityMeasure my data compliance
Use the UK Information Commissioner’s Office (ICO) toolkit to assess your compliance with the UK Data Protection Act and help you improve and promote information rights practices in your organisation. Please note the toolkit does not store user responses.
Measure my data compliance
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