CYBER INSURANCE FOR SMALL AND MEDIUM ENTERPRISES
DOI:
https://doi.org/10.24867/20OI01SekulicKeywords:
Cyber insurance, Risk assessment, Policy pricingAbstract
The paper shortly describes cyberspace, then gives an overview of the risk management process, in order to signify cyber insurance as one of its valuable parts. Existing cyber insurance policies are analyzed, both in the terms of coverage as well as exclusions. The last chapter describes methodology for risk assessment and policy pricing.
References
[1] https://en.wikipedia.org/wiki/Cyberspace (pristupljeno u avgustu 2022.)
[2]https://www.statista.com/statistics/617136/digital-population-worldwide/ (pristupljeno u avgustu 2022.)
[3] Cyber Attack Trends, Check Point’s 2022 Mid-Year Report, Check Point Research
[4] https://gdpr.eu/what-is-gdpr/ (pristupljeno u avgustu 2022.)
[5] A. Marotta et al, “Cyber-insurance survey”, Computer Science Review, Maj 2017.
[6]https://www.munichre.com/topics-online/en/digitalisation/cyber/cyber-insurance-risks-and-trends-2022.html (pristupljeno u avgustu 2022.)
[7] Закон о рачуноводству: 73/2019-11, 44/2021-4, "Службени гласник РС", April 2021.
[8]https://single-market-economy.ec.europa.eu/smes/sme-definition_en#modal (pristuplje u avgustu 2022.)
[9]https://www.privreda.gov.rs/lat/ministarstvo/organizaciona-struktura/sektor-za-razvoj-malih-i-srednjih-preduzeca-i-preduzetnistva (pristupljeno u avgustu 2022.)
[10]https://www.forbes.com/sites/chuckbrooks/2022/01/21/cybersecurity-in-2022--a-fresh-look-at-some-very-alarming-stats/?sh=3c1a8e716b61 (pristupljeno u avgustu 2022.)
[11] “Cybersecurity in the Remote Work Era: A Global Risk Report”, Ponemon Institute, Oktobar 2022
[12]https://www.ibm.com/downloads/cas/RDEQK07R#:~:text=The%20average%20total%20cost%20of%20a%20data%20breach%20in%20the,average%20number%20of%20breached%20records. (pristupljeno u avgustu 2022.)
[13] NIST SP 800-30, “Guide for Conducting Risk Assessments”, NIST, Septembar 2012.
[14] https://www.iso.org/standard/75281.html (pristupljeno u avgustu 2022.)
[15]https://hyperproof.io/resource/cybersecurity-risk-management-process/#:~:text=and%20manage%20risk.-,What%20is%20Cybersecurity%20Risk%20Management%3F,has%20a%20role%20to%20play. (pristupljeno u avgustu 2022.)
[16] S. Romanosky et al, “Content Analysis of Cyber Insurance Policies: How do carriers write policies and price cyber risk?”, SSRN Electronic Journal, Mart 2017.
[17]https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/business-insurance/cyber-risk-insurance/ (pristupljeno u avgustu 2022.)
[18] https://respect-serbia.rs/cyber-i-it-osiguranje/ (pristupljeno u avgustu 2022.)
[19]https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/2016/cyber-insurance/making-sense-of-cyber-insurance-a-guide-for-smes.pdf (pristupljeno u avgustu 2022.)
[20] https://www.ncsc.gov.uk/cyberessentials/overview (pristupljeno u avgustu 2022.)
[21]https://advisorsmith.com/business-insurance/cyber-liability-insurance/cost/ (pristupljeno u avgustu 2022.)
[22]https://www.techtarget.com/searchsecurity/news/252434612/Cybersecurity-insurance-breaks-coming-for-Apple-Cisco-customers (pristupljeno u avgustu 2022.)
[23]https://bonitet.com/buducnost-sajber-osiguranja-ima-li-koga-na-golu/ (pristupljeno u avgustu 2022.)
[2]https://www.statista.com/statistics/617136/digital-population-worldwide/ (pristupljeno u avgustu 2022.)
[3] Cyber Attack Trends, Check Point’s 2022 Mid-Year Report, Check Point Research
[4] https://gdpr.eu/what-is-gdpr/ (pristupljeno u avgustu 2022.)
[5] A. Marotta et al, “Cyber-insurance survey”, Computer Science Review, Maj 2017.
[6]https://www.munichre.com/topics-online/en/digitalisation/cyber/cyber-insurance-risks-and-trends-2022.html (pristupljeno u avgustu 2022.)
[7] Закон о рачуноводству: 73/2019-11, 44/2021-4, "Службени гласник РС", April 2021.
[8]https://single-market-economy.ec.europa.eu/smes/sme-definition_en#modal (pristuplje u avgustu 2022.)
[9]https://www.privreda.gov.rs/lat/ministarstvo/organizaciona-struktura/sektor-za-razvoj-malih-i-srednjih-preduzeca-i-preduzetnistva (pristupljeno u avgustu 2022.)
[10]https://www.forbes.com/sites/chuckbrooks/2022/01/21/cybersecurity-in-2022--a-fresh-look-at-some-very-alarming-stats/?sh=3c1a8e716b61 (pristupljeno u avgustu 2022.)
[11] “Cybersecurity in the Remote Work Era: A Global Risk Report”, Ponemon Institute, Oktobar 2022
[12]https://www.ibm.com/downloads/cas/RDEQK07R#:~:text=The%20average%20total%20cost%20of%20a%20data%20breach%20in%20the,average%20number%20of%20breached%20records. (pristupljeno u avgustu 2022.)
[13] NIST SP 800-30, “Guide for Conducting Risk Assessments”, NIST, Septembar 2012.
[14] https://www.iso.org/standard/75281.html (pristupljeno u avgustu 2022.)
[15]https://hyperproof.io/resource/cybersecurity-risk-management-process/#:~:text=and%20manage%20risk.-,What%20is%20Cybersecurity%20Risk%20Management%3F,has%20a%20role%20to%20play. (pristupljeno u avgustu 2022.)
[16] S. Romanosky et al, “Content Analysis of Cyber Insurance Policies: How do carriers write policies and price cyber risk?”, SSRN Electronic Journal, Mart 2017.
[17]https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/business-insurance/cyber-risk-insurance/ (pristupljeno u avgustu 2022.)
[18] https://respect-serbia.rs/cyber-i-it-osiguranje/ (pristupljeno u avgustu 2022.)
[19]https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/2016/cyber-insurance/making-sense-of-cyber-insurance-a-guide-for-smes.pdf (pristupljeno u avgustu 2022.)
[20] https://www.ncsc.gov.uk/cyberessentials/overview (pristupljeno u avgustu 2022.)
[21]https://advisorsmith.com/business-insurance/cyber-liability-insurance/cost/ (pristupljeno u avgustu 2022.)
[22]https://www.techtarget.com/searchsecurity/news/252434612/Cybersecurity-insurance-breaks-coming-for-Apple-Cisco-customers (pristupljeno u avgustu 2022.)
[23]https://bonitet.com/buducnost-sajber-osiguranja-ima-li-koga-na-golu/ (pristupljeno u avgustu 2022.)
Downloads
Published
2022-12-07
Issue
Section
Information Systems Engineering
