목차
About This Report iii
Summary v
Figures and Tables x
CHAPTER 1 1
Introduction 1
CHAPTER 2 4
The Challenges That Cyber Risk Creates for Private Insurance Markets 4
Insurability Criteria of an Ideal Risk 4
Applicability of Insurability Criteria to Cyber Risks 6
Implications for Insuring Attritional and Catastrophic Cyber Risks 9
Discussion 11
CHAPTER 3 13
Cyber Insurance Market Trends and Limitations 13
Trends in the Cyber Insurance Market 13
Limitations of the Cyber Insurance Market 18
Implications of Cyber Insurance Market Conditions 24
Discussion 25
CHAPTER 4 27
Government Management of Catastrophic Risk 27
Alternative Forms of Government Intervention 27
Potential Goals of a Federal Response to Managing Catastrophic Risk 29
Examples of Existing U.S. Federal Catastrophe Programs 31
Discussion 35
CHAPTER 5 36
Options for a Federal Cyber Risk Insurance Program 36
A Cyber Risk Insurance Program 36
Considerations from Other Approaches 48
Discussion 52
CHAPTER 6 54
Cybersecurity Considerations for Managing Cyber Risk and Implications for a Federal Insurance Response 54
How Carriers Help Reduce Cyber Risk 54
Cybersecurity Standards 56
The Effect of Attaching Cybersecurity Controls to a Federal Insurance Program 58
Insurance Coverage for Ransomware Payments 59
Data Collection to Develop More Effective Standards over Time 60
Implications for the Design of a Federal Cyber Insurance Program 62
CHAPTER 7 64
Conclusion 64
Abbreviations 67
References 68
