CYBER INSURANCE AND THE DIGITAL ECONOMY

In the era of the active development of the digital economy, digital security issues are gaining particular relevance for all market participants: from individuals to companies and government agencies. Cyber threats of a diverse nature, such as hacks, data leaks and the spread of malware, significantly increase financial and reputational risks. One of the effective methods of reducing vulnerability in the face of such threats is cyber insurance, which makes it possible to compensate for losses from cyber-attacks and increase the readiness of organizations to counter cyber incidents. The article presents a comprehensive analysis of cyber insurance, highlighting its fundamental principles and importance for the modern digital society. The dynamics of the cyber insurance market is investigated and the main challenges and prospects for its application are identified. The article examines the legal framework of cyber insurance, technological approaches to risk assessment, and also raises issues of designing insurance policies in these conditions. Global practices and international experience are considered separately, as well as strategies for adapting insurance products to the constantly changing digital environment.