Residuales Risiko: Warum Cyber-Versicherung existiert
Trotz aller Praevention bleibt ein Restrisiko - dafuer gibt es Versicherung.
Residual Risk Is Why Insurance Exists
Zusammenfassung
Security reduces risk. It never eliminates it. The gap between what controls can achieve and what remains is residual risk — the entire reason cyber insurance exists. And it is the most under-discussed concept in the industry.
There is a concept that sits at the exact intersection of cybersecurity and insurance. It explains why the two disciplines need each other, why their practitioners talk past each other, and why the cyber insurance market is simultaneously growing and struggling.That concept is residual risk — the risk that remains after all controls are applied.
Kernpunkte
- Die Cyber-Bedrohungslandschaft entwickelt sich rasant weiter
- KI-verstärkte Angriffe verändern das Risiko-Profil
- Underwriter und Makler müssen ihre Ansätze anpassen
- NIS2-Compliance wird zum Standard-Kriterium
Praktische Schritte
- Aktuelle Bedrohungsage verstehen
- Risikomodelle aktualisieren
- Deckungskonzepte überprüfen
- Kunden proaktiv beraten
Weitere Tools: Cyber-Risikorechner | FAIR-Report | NIS2-Checker | Security Scan
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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