Allianz Global Corporate & Specialty SE CYBER INSURANCE A ... · Allianz Global Corporate &...
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Allianz Global Corporate & Specialty SE
CYBER INSURANCE A YOUNG BUSINESS MODEL WITH NEW CHALLENGES
Jens KrickhahnAGCS / PL Cyber, Tech & Media PI CEEMunich 30.10.2019
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2Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
01 CYBER EXPOSURE
02 RECENT EXPOSURE TRENDS
03 UNDERWRITING POINTS TO ASSESS
AGENDA
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3Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
01 CYBER EXPOSURE
02 RECENT EXPOSURE TRENDS
03 UNDERWRITING POINTS TO ASSESS
AGENDA
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4Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
TOP 10 UNTERNEHMENSRISIKEN WELTWEIT IN 20191
37%
Betriebsunterbrechung(inkl. Lieferkettenunterbrechung)
619%
Feuer, Explosion
237%
Cybervorfälle(z.B. Cyberkriminalität, IT-Ausfall, Datenschutzverletzungen, Geldbußen und Strafen)
719%
Neue Technologien(z.B. Auswirkung der Vernetzung von Maschinen, Nanotechnologie, künstliche Intelligenz, 3D-Druck, autonome Fahrzeuge, Blockchain)
328%
Naturkatastrophen(z.B. Sturm, Überschwemmung, Erdbeben)
813%
Klimawandel/steigendeVolatilität des Wetters
427%
Rechtliche Veränderungen (z.B. Handelskriege und Zölle, Wirtschaftssanktionen, Protektionismus, Brexit, Zerfall der Euro-Zone)
913%
Reputationsverlust oderBeeinträchtigung des Markenwerts
523%
Marktentwicklungen(z.B. Volatilität, verstärkter Wettbewerb/neue Wettbewerber, M&A, stagnierende Märkte, Marktschwankungen)
109%
Fachkräftemangel
2018: 21% (5)
2018: 42% (1) 2018: 20% (6)
2018: 40% (2) 2018: 15% (7)
2018: 10%(10)2018: 30% (3)
2018: 22% (4)
2018: 13% (8)
2018: 6% (15)
= =
=
=
=12
3
Quelle: Allianz Global Corporate & Specialty. Fotos: Adobe, iStock. Die Zahlen geben die Anzahl der ausgewählten Risiken als Prozentsatz aller Umfrageantworten (hier: 2.882) an. Die 2.451 Befragten konnten Antworten für bis zu zwei Branchen und bis zu drei Risiken pro Branche auswählen. Die Prozentwerte addieren sich daher nicht auf 100%.1 „Betriebsunterbrechungen“ und „Cybervorfälle“ liegen mit jeweils rund 37% gleichauf an der Spitze der Rangliste. Allerdings erhielt die Betriebsunterbrechung mehr Antworten nach Anzahl.2 „Feuer und Explosionen“ rangieren nach Anzahl der Antworten höher als „neue Technologien“.3 Der „Klimawandel/die zunehmende Volatilität des Wetters“ erhielt mehr Antworten als der „Reputationsverlust oder Beeinträchtigung des Markenwerts“.
3
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Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19 5
CRITICAL INFRASTRUCTURE
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Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19 6
SOME EXAMPLES OF WHAT COULD HAPPEN (I)
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Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19 7
SOME EXAMPLES OF WHAT COULD HAPPEN (II)
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Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19 8
CYBER BUSINESS INTERRUPTION
All businesses operate in a technologically and data-driven hyperconnected world fully or partially dependent on digitally controlled systems and infrastructures. A single point of failure can disrupt operations and revenue streams due to:
HYPERCONNECTED WORLDTECHNOLOGY
DATASMART
Production1
BlockchainHow will its adoption change the cyber risk landscape?
Industry 4.0What does it mean in practice for the businesses?
Embargoed until further notice: not for distribution
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9Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Nige
l Fen
wick
EVERY STEP OF DIGITALIZATION CREATES NEW RISKS
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10Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
UNDERSTANDING ATTACK VECTORS
Hacking/manipulating data
Spoofing
Phishing
Denial of Service
Distributed Denial
of Service Malware
Ransomware
Keylogging
Accident
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11Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Digitalization increases the attack surface
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12Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
The Defender
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13Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
The Attacker
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14Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
The Attacker
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15Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Threat actors: Cyber = Hacker?… they come in different shapes and sizes!
© Copyright AGSE SE Cyber Criminals
Hacktivists
© U
SA N
etw
orks
© W
arne
r Bro
s.
APT
zazz
le.c
o.uk
“script kiddies”
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16Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
You do not need a hacker to suffer a Cyber IncidentThe cause can easily be internal
System failure Employee error
© Copyright AGCS
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17Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
You do not need a hacker or an Employee to suffer a Cyber IncidentThe cause can easily be your business model or your supplier or customer
© Copyright AGCS
Supply Chain (interfaces with suppliers/customers)
digitization transformation (technical failure)
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18Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
UNDERSTANDING THE PROCESS
THREATS VULNERABILITIES vs RESILIENCE IMPACT
Government sponsored
Terrorism
Hacktivist
Disgruntled insider
Organised crime
Lack of continuity strategy
ATTA
CK
SU
RFA
CE
People
Process
Technology
Revenue
Reputation
Assets
Server – basedvsClient - based
MITMSpoofingPhishingDDoSSocial EngineeringSQLiRansomware
ATTACK VECTORS
INSURANCE
CR
ISIS
RES
PON
SE
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19Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Golden rules of Cybersecurity by Robert Morris, Sr:
1. Do not own a computer
2. Do not power it on
3. Do not use it
The 100% effective Cyber security framework.
CYBER RISK MITIGATION
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20Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Reality of Cyber risk mitigation
The real face of Cyber risk management:
1. You are never fully secure
2. Arms race
3. Constantly evolving landscape
4. Imbalance of resources
5. Law of diminishing returns
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21Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
01 CYBER EXPOSURE
02 RECENT EXPOSURE TRENDS
03 UNDERWRITING POINTS TO ASSESS
AGENDA
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22Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
1. Business Interruption due to technical failure
Ø Creates huge impact in a digital company
2. GDPR fines
Ø see BA, Marriot, Google
3. Cyber Extortion
Ø DDoS to Crypto Locker
Ø Small amount of Bitcoins to large amount of Bitcoins
The threat landscape is changing very fast!
RECENT EXPOSURE TRENDS
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23Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
RANSOMWARE STATISTICS FOR 2019: Q2 TO Q3 REPORT
Source: https://blog.emsisoft.com/en/34335/ransomware-statistics-for-2019-q2-to-q3-report/
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24Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
RANSOMWARE STATISTICS FOR 2019: Q2 TO Q3 REPORT
Source: https://blog.emsisoft.com/en/34335/ransomware-statistics-for-2019-q2-to-q3-report/
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25Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
OUTSIDE TOP 10 BUT VERY DISRUPTIVE & PROFITABLE
Source: https://blog.emsisoft.com/en/34335/ransomware-statistics-for-2019-q2-to-q3-report/
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26Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
EMOTET & RYUK: SHARED WORK
Source: EMISoft Blog (https://blog.emsisoft.com/en/34193/state-of-ransomware-in-the-u-s-2019-report-for-q1-to-q3/)
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27Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
01 CYBER EXPOSURE
02 RECENT EXPOSURE TRENDS
03 UNDERWRITING POINTS TO ASSESS
AGENDA
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28Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
UNDERSTANDING THE DAMAGE
First & Third Party Data Intellectual Property Fines Misappropriation of goods
Delay/Business interruption costs
Incident response costs Reputation Physical damage Personal Injury
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29Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Depending on the Exposure of the Insured we use different UW tools
CYBER UNDERWRITING APPROACH
Differentiators of the Exposure are:
Ø IndustryØ Position in the Supply ChainØ Size of the CompanyØ Global FootprintØ PII DataØ CapacityØ etc.
UW tools are:
Ø Digital UW tools Ø Application FormsØ ARC Desk Top ReviewØ ARC Risk Dialog Meeting Ø All together
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30Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
Ø Know the Insured
Ø Understand the Insured’s Business Model Ø Understand the Insured’s Cyber Exposure and the Impact of Cyber EventsØ Understand the Insured’s Risk Management of the InsuredØ Regular Update of UW InformationØ Adequate Terms & Conditions
Ø Accumulation Management – especially “silent cover”
Ø Don‘t underwrite for prestige
CYBER UNDERWRITING – SOME PRINCIPLES
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Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19 31
PRINCIPLES OF CYBER UNDERWRITING
Why Underwriting is important?
Ø Young product(s)Ø Not much historical dataØ Not much UW experienceØ Not much Claims experienceØ Fast changing Threat LandscapeØ Hard competitionØ Completely different Cyber Market developmentØ Completely different Claims development
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32Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
CYBER UNDERWRITING – OUR AIM
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33Copyright © 2019 Allianz Global Corporate & Specialty SE (All rights reserved) 5-Nov-19
+49 7121 9 28 47 99
Jens KrickhahnPractice Leader Cyber & Tech/Media PIFinancial Lines Central & Eastern Europe
ALLIANZ GLOBAL CORPORATE & SPECIALTY
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