La construcción de confianza en los seguros de riesgos cibernéticos. Desafíos y perspectivas

There has been much discussion recently about cyber risk insurance, but in reality, there is little clarity about its specific implications. This type of insurance is aimed at protecting against the financial and operational consequences of cyber incidents, seeking to protect against the costly impacts of cyber threats and security events to which the insured (both individuals and legal entities) may be exposed. However, for this insurance to be effective, it is necessary to have the trust of both insured parties and insurers. Only in this way will customers' needs be adequately addressed, and only then will insurance companies be able to fulfill their coverage in the event of a cyber incident. This reflection paper will address the importance of cyber risk insurance, assessing its significance in the current cybersecurity landscape. It highlights the vital importance of trust between insurers and their clients, emphasizing the need for transparency, collaboration, and mutual commitment to ensure the effectiveness and success of cyber risk insurance.