CYBER-RISK INSURANCE ISSUES IN THE CONTEXT OF DIGITALIZATION OF THE ECONOMY

As a result of the acceleration of the digitization process, cyber risks, cyber threats, and cyber crimes have become a dangerous enemy of humanity. It is important to identify cyber risks, assess risks by classifying them into categories, fight against cyber crimes, and protect yourself through insurance packages. Moreover, creating a protective wall against cyber crime by taking measures to ensure security in the enterprise, ensuring data security in the internal system, and taking measures to ensure information security at the state level is an urgent issue today. This article describes the analysis of the results obtained as a result of the identification of cyber risks, ensuring cyber security in the government and industrial sectors, and the active use of cyber insurance. In addition, the article describes the scope of cyber insurance coverage divided into categories of first-party losses, incident response costs, and third-party losses