网络保险市场外文文献翻译.docxVIP

外文文献翻译 原文及译文 标题：The cyber insurance market in Sweden 作者：Ulrik Franke 期干丨J: Computers Security，第 6 卷，页：130-144 年份：2017 字数：译文5100多字 The cyber insurance market in SwedenUlrik Franke Abstract This article is a characterization of the cyber insurance market in Sweden. As empirical investigations of cyber insurance are rarely reported in the literature, the results are novel. The investigation is based on semi-structured interviews with 10 insurance companies active on the Swedish market, and additional interviews with 2 re-insurance companies and 3 insurance intermediaries. These informants represent essentially all companies selling cyber insurance on the Swedish market. Findings include descriptions of the coverages offered, including discrepancies between insurers, and the underwriting process used. Typical annual premiums are found to be in the span of some 5-10 kSEK per MSEK indemnity limit, i.e. 0.5-1% of the indemnity limit. For business interruption coverage, waiting periods are found to be relatively long compared to many outages. Furthermore, insurance companies impose information and IT security requirements on their customers, and do not insure customers that are too immature or have too poor security. Thus cyber insurance, in practice, is not merely an instrument of risk transfer, but also contains aspects of avoidance and mitigation. Based on the findings, market segmentation, pricing, business continuity, and asymmetry of information are discussed, and some future work is suggested. Keywords: Cyber insurance, Underwriting, Risk management, Business continuity, Business interruption, Data breach, Asymmetry of information Introduction Modem society is becoming increasingly dependent on IT services. Functioning IT services now underpin aspects of all human endeavors, from work to leisure, from private to public sector, and from Andorra to Zanzibar. When these services stop functioning, whether by non-malicious mistakes or by malicious attacks, consequences