AI-Loading im Underwriting: Wenn Risikomodelle systematisch unterschätzen
"Allianz's blanket surcharge on AI-related cyber coverage is the industry's first systematic attempt to price AI risk. Here's what brokers and risk engineers need to know."
AI-Loading im Underwriting: Wenn Risikomodelle systematisch unterschätzen.
Zusammenfassung
Allianz recently made headlines by announcing a blanket 10-15% surcharge on cyber policies that include AI-related coverage. It’s the industry’s first systematic attempt to price AI risk as a distinct category — and it’s creating downstream friction that brokers and risk engineers need to understand.
Kernpunkte
- KI und regulative Anforderungen verändern das Cyber-Underwriting grundlegend
- NIS2 und DORA schaffen neue Pflichten und neue Deckungsanforderungen
- Underwriter müssen Risikomodelle anpassen und neue Schadenszenarien berücksichtigen
Praktische Schritte
- Risikomodelle aktualisieren
- Deckungskonzepte überprüfen
- Kunden proaktiv beraten
Weitere Analyse: Cyber-Risikorechner | FAIR-Report | NIS2-Checker
Michael Guiao Michael Guiao gründete Resiliently AI und schreibt Resiliently. Er hat CISM, CCSP, CISA und DPO-Zertifizierungen — aber sie verfallen lassen, denn im Zeitalter von KI ist Wissen billig. Worauf es ankommt, ist Urteilskraft — und die kommt aus acht Jahren Praxis bei Zurich, Sompo, AXA und PwC.
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