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Gerrit Mets, Vanbreda Risk & Benefits, 04/02/2015
Cyber Insurance
• Cyber uitgesloten
• loep
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
6 /
7 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
8 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
10 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
12 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
14 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
16 /
CYBER INSURANCE
Own Damage
Network Interruption
Loss of data
Forensic Services
Cyber Theft
Extortion
Damage to third
parties
Liability for Data
Liability for Network
Notification Costs
Data Protection Fines
18 /
Incubation time for new Insurance Policies
‘80 Business Interruption after Fire
50% bankrupt
after fire
‘90 Directors and Officers
Fortis
L&H
‘00 Recall
Dioxine
Aflatoxine
EHEC
’10 Cyber
Business
Interruption
Big Data
Data Protection
Legislation
19 /
20 /

@
Contact
Gerrit Mets
Expert Cyber Insurance
Vanbreda Risk & Benefits
+ 32 495 54 68 18
Gerrit.Mets@vanbreda.be

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Gerrit Mets, Cyber Insurance Expert, on corporate cyber risks

  • 1. -- doelgericht degelijk teamgericht ondernemend cliëntgedreven Gerrit Mets, Vanbreda Risk & Benefits, 04/02/2015 Cyber Insurance
  • 2.
  • 3.
  • 4.
  • 6. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 6 /
  • 7. 7 /
  • 8. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 8 /
  • 9.
  • 10. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 10 /
  • 11.
  • 12. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 12 /
  • 13.
  • 14. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 14 /
  • 15.
  • 16. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 16 /
  • 17.
  • 18. CYBER INSURANCE Own Damage Network Interruption Loss of data Forensic Services Cyber Theft Extortion Damage to third parties Liability for Data Liability for Network Notification Costs Data Protection Fines 18 /
  • 19. Incubation time for new Insurance Policies ‘80 Business Interruption after Fire 50% bankrupt after fire ‘90 Directors and Officers Fortis L&H ‘00 Recall Dioxine Aflatoxine EHEC ’10 Cyber Business Interruption Big Data Data Protection Legislation 19 /
  • 20. 20 /
  • 21.  @ Contact Gerrit Mets Expert Cyber Insurance Vanbreda Risk & Benefits + 32 495 54 68 18 Gerrit.Mets@vanbreda.be

Editor's Notes

  1. Onderbreking/vermindering van de werking van de computersystemen tengevolge van een van een ongeoorloofde toegang tot het computersysteem. Voorbeelden: Introductie van een virus in het productiesysteem: dekking verliezen totdat het netwerk hersteld is. Een denial of service aanval (Ddos-aanval) zorgt ervoor dat de server gedurende verschillende uren uitvalt. Dekking naargelang verzekeraar: netto winstderving, omzetderving, vaste kosten, lonen, …
  2. SCADA software !
  3. Bedrijfsschade na brand
  4. Bedrijfsschade na brand
  5. Bedrijfsschade na brand
  6. Bedrijfsschade na brand
  7. Bedrijfsschade na brand
  8. Dokter tegen mannelijke patiënt : u bent 5 maanden zwanger
  9. Bedrijfsschade na brand
  10. Australische atleet verwond door “gehackte” camera drone maandag 7 april 2014, 15:26 door Redactie, 8 reactiesLaatst bijgewerkt: 07-04-2014, 16:02 Courtney Ogden claimt dat haar val tijdens een triathlon in het westen van Australië werd veroorzaakt doordat zij geraakt werd door een vallende camera drone. Deze drone was aanwezig om het evenement vast te leggen. Een opvallend detail in deze zaak is dat het bedrijf verantwoordelijk voor de gecrashte drone beweert dat het controleverlies een direct gevolg was van een bewuste hack poging. Het is niet duidelijk of de drone tegen de deelneemster aanvloog, of dat deze simpelweg vlak naast haar neer kwam. Channel Hopping Warren Abrams, eigenaar van New Era Photography and Film en verantwoordelijk voor de camera drone, beweert dat een eerste onderzoek erop wijst dat de drone onbestuurbaar werd door “channel hopping” waardoor de eigenlijke bestuurder de controle over de drone verloor. Volgens Abrams kan zoiets simpels als een mobiele telefoon gebruikt worden om de channel hop toe te passen en dat het daarom erg lastig zou zijn om te achterhalen wie verantwoordelijk is voor de aanval. Verder laat Abrams weten dat na een uitgebreide controle en een testvlucht geen verdere problemen bij de drone geconstateerd werden, maar dat de drone wel betrokken was bij een gelijksoortig incident eerder op de dag. Regelgeving De Civil Aviation Safety Authority, of CASA, verantwoordelijk voor de veiligheid van de burgerluchtvaart in Australië, laat weten dat het incident duidelijk bewijs is voor de noodzaak van regelgeving met betrekking tot het besturen van onbemande luchtvaartuigen. In Australië dienen bestuurders die in commerciële capaciteit een onbemand vliegtuig besturen hiervoor gecertificeerd te zijn. Noch Warren Abrams noch zijn bedrijf komen voor op de lijst van de 92 nationaal gecertifieerde bestuurders. CASA woordvoerder Peter Gibson geeft aan overtuigd te zijn van het feit dat geavanceerde drones zoals gebruikt voor commerciële doeleinden niet op deze manier gehackt zouden kunnen worden. Daarentegen is hij van mening dat dit misschien wel mogelijk zou zijn bij basismodellen die gewoon in de winkel aangeschaft kunnen worden. Maar de kans dat deze basisvarianten voor commerciële activiteiten gebruikt worden is volgens hem dan ook klein. Onderzoek De organisatoren van de triatlon zijn van plan een onderzoek in te stellen naar de precieze omstandigheden van het ongeluk en zijn van mening dat dit niet had mogen gebeuren.
  11. Bedrijfsschade na brand
  12. Vraag : waarom nu plots voor cyber risico’s verzekeren ? AIG : marktleider : 4 aangiftes per week ! 25 mio per jaar, s/p 65%, 16 mio EUR schades uitgekeerd Rode draad = bedrijfsschade RISICOMATRIX UITLEGGEN Risico matrix bespreken : Plaatsen ao en auto Brand = catastrofe risico, ook cyber ! Verzekeringsbudget = beperkt Keuze = prioriteit geven aan catastrofeverzekeringen Voorbeeld = autoverzekering uit leasingcontract halen = vaak besparing