Sicherheitsratings vs. Finanzielle Exposition

Why Security Ratings Don’t Work for Cyber Insurance Underwriting (And What Does)

Zusammenfassung

BitSight, SecurityScorecard, and UpGuard give you an A-F score. But underwriters need financial exposure in EUR. Here’s why passive security ratings fail underwriting decisions and what Resiliently’s financial exposure approach does differently.

Security ratings platforms like BitSight, SecurityScorecard, and UpGuard have become the de facto standard for third-party risk assessment. They give organizations an A-F score based on passively collected external data — open ports, SSL configurations, malware detections, and DNS records.But there’s a growing problem: these scores don’t work for cyber insurance underwriting.

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

1. Aktuelle Bedrohungsage verstehen
2. Risikomodelle aktualisieren
3. Deckungskonzepte überprüfen
4. Kunden proaktiv beraten

Weitere Tools: Cyber-Risikorechner | FAIR-Report | NIS2-Checker | Security Scan