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La couverture du cyber-risque

Author

Listed:
  • Sébastien Héon
  • Didier Parsoire

Abstract

Digitization of the economy is a factor of progress but also brings a lot of new risks, cybercrime and other forms of cyber-attacks, which come to erode its benefits. While the arsenal of IT security tools and services is developing to counter the attacks, businesses are struggling to quantify the impacts. In a geopolitical and economic context favorable to attackers, States are becoming aware of the risks and develop more comprehensive regulations. The cyber-insurance market is under construction and its products in the adjustment phase. While it enjoys sustained growth, it meets the ignorance of an emerging and evolving risk and the potential for cyber-catastrophes that both impede the reinsurance offer. Sound risk management by the insured, proper regulatory environment and development of expertise among insurers and reinsurers are the conditions for this market to reach maturity. Beyond its mere coverage, the cyber peril is indicative of the coming transformations in the risk landscape of the insurance and reinsurance market. Classification JEL : G22, G28, O33, O38.

Suggested Citation

  • Sébastien Héon & Didier Parsoire, 2017. "La couverture du cyber-risque," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 169-182.
    • Handle: RePEc:cai:refaef:ecofi_126_0169
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    More about this item

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • O38 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Government Policy

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