Cyber insurance: Growing pains. 9 February 2017 Transforming healthcare Michael Schmitt
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1 Cyber insurance: Growing pains 9 February 2017 Transforming healthcare Michael Schmitt
2 Cyber Incidents Headlines Target Corporation (2013) 110 Million records compromised $240 million cost of reissuing cards and refunding fraudulent charges Anthem (2015) 69 million to 80 million records compromised $140 million estimated cost to manage breach FriendFinder (2016) 412 million accounts compromised Yahoo! (2013) 2016 public disclosure 1 Billion accounts compromised Names, dates of birth, addresses, security questions and answers and weakly protected passwords 4
3 Residual Cyber Cover 7
4 Cyber Cover in GL Policies Travelers Indemnity vs Portal Healthcare Solutions (2015) Coverage: Data leaked = Publication Zurich American Insurance Co. vs Sony Corporation of America (2014) No Coverage: Data Leak Publication State Auto P&C Insurance Co. vs Midwest Computers (2001) No Coverage: Data Tangible Property Eyeblaster, Inc. vs Federal Insurance Co. (2010) Coverage for Tangible Property (computer) No Coverage for Intangible Property (data) NMS Services, Inc. vs The Hartford (2003) Coverage: Data = Tangible Property. Business Interruption Cover provided. 8
5 Prudential Regulation Authority Guidance suggested for carriers: 1)Investing in cyber expertise 2)Setting clear appetites and strategies 3)Continuous oversight or management of silent cyber risk 9
6 Swiss Re Corporate Solutions Cyber Offering 10
7 Cyber Underwriter Areas of Concern Business Model vs High-End Security Consolidations & Mergers Budgeting & Staffing Medical Devices The Value of PHI 12
8 14
9 Cyber Incidents Headlines Target Corporation (2013) 110 Million records compromised $240 million cost of reissuing cards and refunding fraudulent charges Anthem (2015) 69 million to 80 million records compromised $140 million estimated cost to manage breach FriendFinder (2016) 412 million accounts compromised Yahoo! (2013) 2016 public disclosure 1 Billion accounts compromised Names, dates of birth, addresses, security questions and answers and weakly protected passwords 4
10 Residual Cyber Cover 7
11 Cyber Cover in GL Policies Travelers Indemnity vs Portal Healthcare Solutions (2015) Coverage: Data leaked = Publication Zurich American Insurance Co. vs Sony Corporation of America (2014) No Coverage: Data Leak Publication State Auto P&C Insurance Co. vs Midwest Computers (2001) No Coverage: Data Tangible Property Eyeblaster, Inc. vs Federal Insurance Co. (2010) Coverage for Tangible Property (computer) No Coverage for Intangible Property (data) NMS Services, Inc. vs The Hartford (2003) Coverage: Data = Tangible Property. Business Interruption Cover provided. 8
12 Prudential Regulation Authority Guidance suggested for carriers: 1)Investing in cyber expertise 2)Setting clear appetites and strategies 3)Continuous oversight or management of silent cyber risk 9
13 Swiss Re Corporate Solutions Cyber Offering 10
14 Cyber Underwriter Areas of Concern Business Model vs High-End Security Consolidations & Mergers Budgeting & Staffing Medical Devices The Value of PHI 12
15 14
16 Legal notice 2017 Swiss Re. All rights reserved. You are not permitted to create any modifications or derivative works of this presentation or to use it for commercial or other public purposes without the prior written permission of Swiss Re. The information and opinions contained in the presentation are provided as at the date of the presentation and are subject to change without notice. Although the information used was taken from reliable sources, Swiss Re does not accept any responsibility for the accuracy or comprehensiveness of the details given. All liability for the accuracy and completeness thereof or for any damage or loss resulting from the use of the information contained in this presentation is expressly excluded. Under no circumstances shall Swiss Re or its Group companies be liable for any financial or consequential loss relating to this presentation.
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