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网络保险和你需要知道的

In this episode of Tech Tuesday, Dave Hodgdon from 乐博捕鱼app下载 talks with 约翰 Maher about cyber insurance. 他谈到了这些政策涵盖的范围, and he goes over the key factors that affect the cost and type of cyber insurance policies businesses need.

乐博捕鱼app · 网络保险和你需要知道的

约翰·马赫: 欢迎来到技术星期二, 由乐博捕鱼app下载为您带来, 朴茨茅斯的托管服务和乐博捕鱼app下载提供商, 新汉普郡. 我是约翰 Maher,今天和我一起的是乐博捕鱼app下载的Dave Hodgdon. 欢迎你,戴夫.

戴夫Hodgdon: 下午好,约翰。. 你今天过得怎么样?

为什么企业需要网络保险?

约翰: 好,谢谢. So, Dave, today, we’re talking about cyber insurance and what you need to know. 那么,为什么你的公司和企业需要网络保险呢?

戴夫: 好吧, 约翰, cyber insurance seems to be the big buzz word over the last two or three years, 我们的已经有五年了, but in relation to what’s going on in the current cyber world with all the breaches and ransomware, 他们在追踪你的数据.

你需要的第一个原因是保护你的数据, 因为如果你丢失了数据, 很可能是百分比, 比如85%的企业, 将出去. 所以,第一件事是你必须保护你的数据. You need to have a continuity plan in place knowing how you recover if there was a breach.

那么,你将如何与媒体沟通呢? 你有联邦调查局的信息吗? 你有警方的信息吗? 你的保险权利吗?? 你打算如何让你的员工知道? 因为如果有一个缺口, 在这一点上, 你们俩可能就一块钱就完蛋了, 3, 5, 10, 20天. 你开通比特币账户了吗?

网络活动和勒索攻击每三个月增加一倍. 它现在是惊人的, 约翰, 我前几天听到了一个数据, 我上周参加了一个乐博捕鱼app下载研讨会, that the cyber criminals with what they’re doing in ransomware is bigger than illegal gambling and all drug activity by 10 times the amount.

约翰: 哇.

戴夫: 这是一个惊人的数字.

有多少公司有网络保险?

约翰: 是的,确实是这样. 绝对. So, 考虑到这一点,再考虑到它的发展规模, how many companies now actually have cyber insurance of some kind in place?

戴夫: 少于25%,约翰. I would say over every week now I’m getting contacted by our clients and prospects about reviewing what their current policy is and they’re asking them all these questions that they don’t know how to answer. 我注意到很多公司, 约翰, 有一个小的附加保险,你知道吗, 你已经看过正常的保险了.

我们可以花25美元或50美元把这个或这个加到你的房子里. 你真的不会得到那么多. 这些乘客的保险范围很小. 当我问“你付多少钱??“我可以马上判断他们是否得到了正确的报道. 网络保险已经不便宜了. Unfortunately, it’s part of running your business and I see that just going up in price each year. 还有那些骑手的问题, 如果某件事发生了, you’re pretty much almost going to get zero coverage of what you really want out of that, 约翰.

如何确定网络保险承保范围的业务需求

约翰: 好吧. So, what should a business do first to really find out more about cyber insurance and find out what they need in terms of coverage?

戴夫: 我认为每个行业都是不同的, but I think it really pretty much comes down to doing a risk assessment. Get a baseline of what my business has for data, what I have for security in place. 我现在有什么东西? Common things we’re all hearing about today is multi-factor authentication.

你是否有一个备份的业务连续性计划? 你们对员工做背景调查吗? 你的公司有乐博捕鱼app下载的锁和活动系统吗? 你可以有很多东西, 但我看了看, 房子的旧图,当我想保护我的房子, 这不是门上的锁. 可能是栅栏. 可能是监控摄像头. 可能是运动探测器. 它可能在我的窗户上贴上被监控的标签, but you got to have the baseline of where your gaps and vulnerabilities are.

From there, we’ll run an audit against your existing cyber policy, 约翰, once we have a copy of that. We have an excellent service right now that will audit the current cyber insurance and it’ll actually give us a check-off of what you have or don’t have. 你的保险范围合适吗? 你有正确的语言吗? 你有合适的服务吗? Because ultimately your goal is, if something happened, am I properly protected?

So, 对我来说, 当你为你的车或房子投保时, 你希望发生什么事, 你覆盖. 没有什么比免赔额更糟糕的了或者你认为你有免赔额. 约翰,你选择了不做那个仪式. 所以,我们的工作就是确保你对此有信心. 你有正确的保险, you’re paying the right amount and should something happen this is my expectations for potential payout or when I might be able to get back in business.

网络保险承保类型

约翰: 有不同类型的保险吗? If it’s just a matter of these bad actors take down your network or something, 在一段时间内,你不能经营你的企业? 或者更像是他们在窃取你客户的数据, 你客户的信用卡号码或类似的东西? 有不同类型的网络保险吗?

戴夫: 是的,这是个好问题. There’s many types of cyber insurance and each carrier kind of does it a little bit differently. 旅行者是大. 丘伯保险锁大. So, 我认为这很大程度上取决于你的行业, 约翰, 你真正想保护的东西.

我要处理很多信用卡吗? Do I have a lot of what they call P-2 information or personal information? 出生日期,社会保险号,银行账户信息. So, your industry could dictate what you’re going to pay for fees, much like your driver’s insurance. 尤其是16岁的男孩和女孩, the insurance is so much higher than a proven driver that doesn’t have much of a history of being a bad driver.

我们在它. 我们的保险更贵. 经济上的,更昂贵的保险. 医疗保险更贵. 体店, not as expensive to insure because there’s not as much vital information in front of them right there. 这也取决于你的收入.

你到底想保护什么? 我的公司有多大? 我到底想保护什么? 你需要的正常运行时间是多少? 如果我不能休息,你在游戏中有更多的赌注. 就像托管服务提供者一样, 你想要的是对你和你的生意有利的东西, 约翰. 保险的正确金额是多少? 在网络保险中检查每一项就变得非常昂贵, 但如果你做了尽职调查, 你可以做得很好.

这些年我们学到了很多,约翰. We started, I believe… Yeah, it was a million dollar policy five years ago. 然后我们把今年的保险费用换算成300万美元. 我们预测它会达到500万,因为它不是我们. 还有我们的客户,数据对我们来说是最重要的. 我们在宣传乐博捕鱼app下载和风险评估.

We’re doing the due diligence on ourselves and these policies have just tripled in cost in the last three years and it’s just amazing what we paid five years ago and what they’re charging today. 我们在新闻里听到的. 网络入侵对保险公司来说是非常昂贵的. They want to make sure that you, the end-user, are following the protocols. So, they’re getting a lot tougher on the questions they’re asking what they want you to sign off on, 检查一下你是否真的拥有它. 过去人们只会说“好,好,好”然后签字. 他们不再这样做了.

乐博捕鱼app下载帮助企业评估其网络保险需求

约翰: So, 你说的是你需要投保的金额, 这取决于很多不同的因素. You said revenue and whether or not you have to have your servers be up 24 hours a day, 或者在下跌后立即上涨,或者类似的事情. You help a client to sort of figure out how much it is that they should be covered for?

戴夫: 绝对. 这很大程度上取决于你的工资, 如果你的数据被锁定, 我的意思是, 你每星期的工资是多少? 你的生意损失. 你得开始考虑这些因素. So, if you’re shut down for a full week and just do simple math, your payroll is 50,000 a week. 你被关了一个月. 至少是20万.

Then, the loss revenue could be three, four million during the course of that month. So, 一份一百万美元的保单和一份三百万美元的保单, 是的, 这是多一点的钱, 但你得考虑大局. Should something happen, what am I going to have in place to keep me operational? 因为没有你的数据,你就有破产的风险.

盈科如何帮助企业获得网络保险

约翰: So, how does 乐博捕鱼app下载 help me to figure out what the next steps are and to help determine that?

戴夫: 这和你的房屋保险很相似. 如果你住在海边,你就有洪水保险. 现在你已经有了. 我认为看看关键因素是很重要的. 首先,我所从事的行业? Then you got to kind of look at the revenues that you’re doing per month. Then you got to look at what it’s costing you to operate your business. Then do a check against what you think you’re paying on your cyber insurance.

最后一大步就是做风险评估,约翰. That’s a detailed step of finding out everything that you have because the risk assessment kind of follows the NIST, 我们以前也说过. That’s going to give the check box for the cyber insurance that you’re meeting these criteria. And if you check off and you do the signature against that for the insurance company and something happens, 你已经满足了保险条款规定的条件.

联系乐博捕鱼app下载了解更多信息

约翰: 好吧. 这真是个好消息,戴夫. 再次感谢你今天和我谈话.

戴夫: 你说对了,约翰.

约翰: 欲了解更多信息,请访问乐博捕鱼app下载网站乐博捕鱼app下载IT.Com或拨打(603)431-4121.