论文标题

驱动网络保险的数据:对承保和索赔程序的研究

The Data that Drives Cyber Insurance: A Study into the Underwriting and Claims Processes

论文作者

Nurse, Jason R. C., Axon, Louise, Erola, Arnau, Agrafiotis, Ioannis, Goldsmith, Michael, Creese, Sadie

论文摘要

网络保险是风险管理的关键组成部分,旨在转移风险并在发生网络事件时支持业务回收。由于网络保险仍然是实践和研究中的一个新概念,因此,关于推动它的数据和经济模型,保费选择和保费的定价以及与程序性政策相关的方面有许多未解决的问题。本文旨在通过关注网络保险从业者使用的关键数据类型来解决其中一些问题,尤其是用于保险承保和索赔程序的决策。我们进一步探讨了从业人员对收集和使用数据所面临的挑战的看法,并确定需要进一步数据的差距。我们通过与一系列网络保险专业人员(包括承销商,精算师,索赔专家,违规响应者和网络运营专家)进行焦点小组来得出结论,并为现有知识提供宝贵的贡献。这些见解包括关键数据类型的示例,这些示例有助于计算有关索赔的保费和决策,数据收集的各个阶段的挑战和差距的识别以及有关网络保险行业竞争性数据集的开发的初步观点。我们认为,对网络保险的数据收集和使用的了解以及当前面临的挑战的了解对于未来的研究和实践是无价的。

Cyber insurance is a key component in risk management, intended to transfer risks and support business recovery in the event of a cyber incident. As cyber insurance is still a new concept in practice and research, there are many unanswered questions regarding the data and economic models that drive it, the coverage options and pricing of premiums, and its more procedural policy-related aspects. This paper aims to address some of these questions by focusing on the key types of data which are used by cyber-insurance practitioners, particularly for decision-making in the insurance underwriting and claim processes. We further explore practitioners' perceptions of the challenges they face in gathering and using data, and identify gaps where further data is required. We draw our conclusions from a qualitative study by conducting a focus group with a range of cyber-insurance professionals (including underwriters, actuaries, claims specialists, breach responders, and cyber operations specialists) and provide valuable contributions to existing knowledge. These insights include examples of key data types which contribute to the calculation of premiums and decisions on claims, the identification of challenges and gaps at various stages of data gathering, and initial perspectives on the development of a pre-competitive dataset for the cyber insurance industry. We believe an improved understanding of data gathering and usage in cyber insurance, and of the current challenges faced, can be invaluable for informing future research and practice.

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