Cyber ​​risks: often tracks for enterprise protection

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54%: that’s part of the French companies that would be the target of a cyberattack in 2021, in constant increase these last years.

La digitization de l’économie engendre de nouveaux risques pour les entreprises, et tout particulier le risc cyber.

Consulter le report de la direction générale du Trésor : le développement de l’assurance du risc cyber

Des risques cyber en augmentation et des entreprises peu assuredes face à cette menace

La dépendance du tissu économique au numérique facilitated the multiplication of new risks having a cyber origin, especially les cyberattacks. The health crisis encore accelerated this trend, à travers l’adoption of new ways of work and consumption.

Today we observe an increase in cyberattacks regardless of volume, frequency or complexity. Cyberattacks are today susceptible to threatening the survival of a company. La resilience face au cyber risk constitue donc un enjeu major de souveraineté.

Malgré this situation, what risk is relatively peu assured encore. It does not represent in effect that almost 3% des cotisations en assurance dommage des professionnels.

What I found is the result of two factors: one difficulty in understanding the cyber risk for companies (in particular the most small ones) on the one hand, and on the other hand difficulties in estimating its impacts for assurance actors, in particular lors d’incidents de grande ampleur.

Often concrete actions proposed to develop insurance solutions and enhance cyber risk prevention

The report proposes concrete and credible actions around the four axes:

Clarifier le cadre juridique de l’assurance du risc cyber

Autour de cet ax multiple aspects are concerned: clarification des clauses de contracts traditionnels, the diffusion de bonnes pratiques pour la redaction des contracts, the improvement of the information des assureurs sur l’étendue of their guarantees or encore the obligation d “un dépôt de plainte de la victim pour permettre l’assurabilité d’une cyber-rançon.

They favored a better measure of cyber risk

L’objectif est d’avoir le plus de data sur ce risk to allow aux acteurs de mieux prévoir et prendre en compte leur exposure. To do this, the creation of a cyber threat observatory, or encore the transmission of information between insurers or in a dedicated data sharing platform, are encouraged.

Améliorer le partage de risk between assureds, assurers et reinsurers

Here, several tracks are addressed for the promotion of innovative solutions in insurance or the development of automatic insurance solutions.

Accroître les efforts de sensitization des entreprises au cyber risk

In anticipation, the report proposes the development of cooperation between public and private actors on the territory of the territories to raise awareness of the local economic tissue, to the training of insurance professionals, without forgetting the definition of common security referents.

Consulter le report de la direction générale du Trésor : le développement de l’assurance du risc cyber

In order to quickly implement these orientations, one the working group dédiée à l’assurance du risc cyber, associating les acteurs concerned will be put in place from here to the end of the month of September.

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