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Zeitschrift für die gesamte Versicherungswissenschaft
Published in: Zeitschrift für die gesamte Versicherungswissenschaft 4/2018

03-01-2019 | Abhandlung

Herausforderungen und Implikationen für das Cyber-Risikomanagement sowie die Versicherung von Cyberrisiken – Eine empirische Analyse

Authors: Dirk Wrede, Thorben Freers, Johann-Matthias Graf von der Schulenburg

Published in: Zeitschrift für die gesamte Versicherungswissenschaft | Issue 4/2018

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Zusammenfassung

Der Beitrag untersucht vor dem Hintergrund einer hochdynamischen, extrem wandlungsfähigen Risikolandschaft in den Unternehmen den Status quo der Versicherung von Cyberrisiken sowie den Umgang mit solchen Gefahren im Risikomanagement. Angesichts der Neuartigkeit und Komplexität des Themas sowie der bisherigen unzureichenden Betrachtung im Schrifttum werden Interviews mit Experten aus Versicherungs- und Beratungsunternehmen sowie Interessenverbänden geführt. Die Untersuchungsergebnisse zeigen, dass in der Unternehmenspraxis ein mangelndes Risikobewusstsein für Cyberbedrohungen einen bedeutenden Einflussfaktor für die IT-Sicherheit darstellt und Cyberrisiken im Risikomanagement häufig unzureichend berücksichtigt werden. Zudem bieten Cyber-Policen aktuell keine Allgefahrendeckung für Cyberschäden und der deutsche Cyber-Versicherungsmarkt ist bislang wenig erschlossen.
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Footnotes
1
Siehe zu den unterschiedlichen mit der Nutzung des WWW verknüpften Risiken Kim et al. (2011).
 
2
Siehe zur Klassifizierung von Sicherheitsbedrohungen für IT-Systeme Jouini et al. (2014).
 
3
So beläuft sich in der Gesamtschaden für Unternehmen in Deutschland als Folge digitaler Wirtschaftsspionage, Sabotage und Datendiebstahl laut einer repräsentativen Umfrage des Bundesverbandes Informationswirtschaft, Telekommunikation und neue Medien e. V. (Bitkom) nach konservativen Berechnungen auf ca. 43,4 Mrd. € in den letzten beiden Jahren (Bitkom 2018). Im Jahr 2017 betrugen die durchschnittlichen Kosten eines einzelnen Datenverlustereignisses für deutsche Unternehmen ca. 3,42 Mio. € (Ponemon Institute, LLC 2017). Zur Problematik der Schätzung wirtschaftlicher Kosten von Cyberkriminalität siehe insbesondere Anderson et al. (2013) sowie Hyman (2013).
 
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Metadata
Title
Herausforderungen und Implikationen für das Cyber-Risikomanagement sowie die Versicherung von Cyberrisiken – Eine empirische Analyse
Authors
Dirk Wrede
Thorben Freers
Johann-Matthias Graf von der Schulenburg
Publication date
03-01-2019
Publisher
Springer Berlin Heidelberg
Published in
Zeitschrift für die gesamte Versicherungswissenschaft / Issue 4/2018
Print ISSN: 0044-2585
Electronic ISSN: 1865-9748
DOI
https://doi.org/10.1007/s12297-018-0425-2

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