Why cyber risk is broader than hacking
A cyber incident may involve ransomware, stolen credentials, payment fraud, accidental disclosure, lost devices, system outages or a vendor breach. Small organizations can be affected even when they outsource technology.
網絡風險不只是黑客攻擊
網絡事件可能涉及勒索軟件、憑證被盜、付款詐騙、意外洩露、設備遺失、系統中斷或供應商數據洩露。即使外包了技術服務，小型企業仍可能受到影響。
Possible coverage areas
Depending on the policy, cyber insurance may include incident response, privacy counsel, forensic investigation, notification, data restoration, business interruption, cyber extortion and certain third-party claims.
可能包括的保障
根據保單條款，網絡保險可能包括事件應對、隱私法律諮詢、取證調查、通知費用、數據恢復、營業中斷、網絡勒索及部分第三方索賠。
Insurance and controls work together
Insurers may ask about multi-factor authentication, backups, patching, employee training, payment verification and vendor controls. Insurance does not replace basic cybersecurity practices.
保險與安全措施缺一不可
保險公司可能會詢問多重身份驗證、備份、系統更新、員工培訓、付款驗證及供應商管理。網絡保險不能替代基本的網絡安全措施。