{"id":3498,"date":"2013-03-15T14:54:20","date_gmt":"2013-03-15T13:54:20","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=3498"},"modified":"2019-12-30T17:18:34","modified_gmt":"2019-12-30T16:18:34","slug":"cyber-assurance-souscrire-ou-ne-pas-souscrire-telle-est-la-question","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2013\/03\/cyber-assurance-souscrire-ou-ne-pas-souscrire-telle-est-la-question\/","title":{"rendered":"Cyber-assurance : souscrire ou ne pas souscrire telle est la question !"},"content":{"rendered":"

Les assurances d\u00e9di\u00e9es \u00e0 la couverture des risques li\u00e9s \u00e0 la cybercriminalit\u00e9 (commun\u00e9ment appel\u00e9es \u00ab\u00a0cyber-assurances\u00a0\u00bb) font de plus en plus parler d\u2019elles ces derniers mois. Pourtant, si le march\u00e9 outre atlantique est d\u00e9j\u00e0 florissant, les volumes de primes souscrites en France restent limit\u00e9s. Assureurs et courtiers constatent pourtant un fort accroissement des demandes de cotation en 2012, faisant penser \u00e0 un r\u00e9el d\u00e9marrage de ce segment de march\u00e9 en France en 2014. Alors les cyber-assurances\u00a0: bonne ou mauvaise solution\u00a0?<\/em><\/p>\n

La cyber-assurance\u00a0: pour quoi faire\u00a0?<\/h2>\n

Traditionnellement, l\u2019assurance est vue comme une mani\u00e8re de transf\u00e9rer un risque, en permettant de recouvrer une perte en cas d\u2019occurrence de ce risque. Cela implique d\u2019\u00eatre en mesure de correctement \u00e9valuer le risque et la perte associ\u00e9e. S\u2019il est relativement ais\u00e9 de le faire sur des risques \u00ab\u00a0matures\u00a0\u00bb en mati\u00e8re d\u2019assurance, comme l\u2019incendie par exemple, cela devient beaucoup plus complexe lorsque l\u2019on parle de cybercriminalit\u00e9. L\u2019interconnexion des SI et leur globalisation rendent difficile l\u2019\u00e9valuation des risques et des pertes\u00a0: quelle valeur pour les informations que l\u2019on m\u2019a d\u00e9rob\u00e9es\u00a0? Quels impacts pour mes partenaires et mes clients\u00a0? Quels co\u00fbts pour r\u00e9parer la faille\u00a0?<\/p>\n

Ainsi, le souscripteur doit aujourd\u2019hui percevoir la cyber-assurance non pas uniquement comme un moyen de \u00ab\u00a0recouvrer une perte\u00a0\u00bb mais plut\u00f4t comme un levier lui permettant de r\u00e9agir plus vite aux attaques et en diminuer les impacts.<\/strong><\/p>\n

Si elles couvrent en partie les pertes d\u2019exploitation, les offres des cyber-assureurs sont souvent accompagn\u00e9es d\u2019assistances juridiques et d\u2019expertises sur les investigations techniques ou la gestion de crise. C\u2019est cet apport imm\u00e9diat d\u2019expertise packag\u00e9e qui peut int\u00e9resser le souscripteur \u00e0 une offre \u00ab\u00a0cyber-assurance\u00a0\u00bb, en compl\u00e9ment du recouvrement d\u2019une partie souvent limit\u00e9e de ses pertes.<\/p>\n

La cyber-assurance\u00a0: pour quels risques\u00a0?<\/h2>\n

Les cyber-assurances permettent de faire face aux risques li\u00e9s \u00e0 trois grands enjeux actuels en mati\u00e8re de syst\u00e8mes d\u2019information.<\/p>\n

    \n
  • L\u2019\u00e9volution de la r\u00e8glementation concernant la protection des donn\u00e9es personnelles et la notification en cas de fuite.<\/li>\n<\/ul>\n

    Ces deux sujets tr\u00e8s li\u00e9s feront probablement l\u2019objet dans un avenir proche de renforcements l\u00e9gislatifs visant \u00e0 prot\u00e9ger davantage les consommateurs. La notification des fuites peut s\u2019av\u00e9rer extr\u00eamement co\u00fbteuse pour les entreprises. L\u2019obligation de notification est d\u00e9j\u00e0 en vigueur en France pour les op\u00e9rateurs t\u00e9l\u00e9coms, et sera sans doute \u00e9tendue prochainement \u00e0 l\u2019ensemble des entreprises g\u00e9rant des donn\u00e9es personnelles\u00a0 en application d\u2019une nouvelle l\u00e9gislation europ\u00e9enne. C\u2019est d\u2019ailleurs en grande partie cette obligation qui a fait exploser le march\u00e9 de la cyber-assurance aux \u00c9tats-Unis.<\/p>\n

      \n
    • L\u2019entreprise \u00e9tendue, g\u00e9n\u00e9ratrice de nouveaux risques<\/li>\n<\/ul>\n

      Les mouvements incessants des entreprises (fusions, cession de certaines activit\u00e9s, \u2026), les interconnexions SI avec des clients et partenaires ou encore le d\u00e9veloppement du cloud computing sont autant de facteurs qui exposent le SI de l\u2019entreprise \u00e0 des attaques. Par ailleurs, en cas d\u2019incident av\u00e9r\u00e9, l\u2019entreprise peut \u00eatre consid\u00e9r\u00e9e comme responsable de perturbations chez ses clients et partenaires. Attention cependant sur ce point\u00a0: si un volet responsabilit\u00e9 civile est souvent inclus dans les offres de cyber-assurances, il fait parfois doublon avec les contrats responsabilit\u00e9 civile traditionnellement souscrits, qui couvrent souvent (en France) les dommages immat\u00e9riels.<\/p>\n

        \n
      • Le d\u00e9veloppement du e-commerce<\/li>\n<\/ul>\n

        De plus en plus d\u2019entreprises vendent aujourd\u2019hui leurs produits sur Internet. L\u2019indisponibilit\u00e9 du portail web de vente peut ainsi g\u00e9n\u00e9rer des pertes importantes de chiffre d\u2019affaires, qu\u2019il peut \u00eatre relativement facile de chiffrer. Dans ce cas, une cyber-assurance peut jouer pleinement son r\u00f4le traditionnel de solution permettant de recouvrer une perte.<\/p>\n

        En conclusion\u00a0: dans quels cas prendre une cyber-assurance\u00a0?<\/h2>\n

        En conclusion, il est sans doute bon de s\u2019int\u00e9resser au sujet de la cyber-assurance si l\u2019entreprise est dans un ou plusieurs des cas suivants\u00a0:<\/p>\n

          \n
        • Elle est susceptible de faire face \u00e0 une attaque dont certaines cons\u00e9quences sont facilement mesurables<\/strong> (sites de e-commerce par exemple). Dans ce cas, l\u2019entreprise cherchera \u00e0 jouer sur l\u2019aspect \u00ab\u00a0traditionnel\u00a0\u00bb de l\u2019assurance pour recouvrer une perte d\u2019exploitation.<\/li>\n
        • Elle dispose d\u2019un SI fortement interconnect\u00e9 avec l\u2019ext\u00e9rieur<\/strong>. Il sera alors utile dans un premier temps de v\u00e9rifier quelle couverture lui offre son contrat en responsabilit\u00e9 civile (RC) actuel pour indemniser les tiers \u00e0 qui elle porterait atteinte en cas d\u2019attaque. Au besoin, elle pourra compl\u00e9ter cette couverture par le volet RC d\u2019une cyber-assurance.<\/li>\n
        • Elle g\u00e8re de nombreuses donn\u00e9es personnelles<\/strong>. Elle sera alors attentive aux \u00e9volutions l\u00e9gislatives en mati\u00e8re de notification et prendra si possible les devants sur le sujet en commen\u00e7ant \u00e0 \u00e9tudier la solution cyber-assurance.<\/li>\n
        • Elle dispose d\u2019un manque d\u2019expertises sur le sujet de la cybercriminalit\u00e9<\/strong> et souhaite pouvoir disposer d\u2019une capacit\u00e9 de r\u00e9action rapide. Elle s\u2019int\u00e9ressera alors aux offres packag\u00e9es des cyber-assureurs, qui lui apporteront en cas de sinistre des experts dans plusieurs domaines (juridique, gestion de crise, forensics, \u2026)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

          Les assurances d\u00e9di\u00e9es \u00e0 la couverture des risques li\u00e9s \u00e0 la cybercriminalit\u00e9 (commun\u00e9ment appel\u00e9es \u00ab\u00a0cyber-assurances\u00a0\u00bb) font de plus en plus parler d\u2019elles ces derniers mois. Pourtant, si le march\u00e9 outre atlantique est d\u00e9j\u00e0 florissant, les volumes de primes souscrites en…<\/p>\n","protected":false},"author":1269,"featured_media":3490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3222,36,38],"tags":[175,1349,88,81,310],"coauthors":[2765],"class_list":["post-3498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyberrisk-management-strategy","category-cybersecurity-digital-trust","category-assurance","tag-apt","tag-cyberassurance","tag-e-commerce","tag-protection-des-donnees","tag-risque"],"acf":[],"yoast_head":"\nCyber-assurance : souscrire ou ne pas souscrire telle est la question ! - SolucomINSIGHT<\/title>\n<meta name=\"description\" content=\"Les assurances d\u00e9di\u00e9es \u00e0 la couverture des risques li\u00e9s \u00e0 la cybercriminalit\u00e9 (commun\u00e9ment appel\u00e9es \u00ab cyber-assurances \u00bb) font de plus en plus parler d\u2019elles ces derniers mois. Pourtant, si le march\u00e9 outre atlantique est d\u00e9j\u00e0 florissant, les volumes de primes souscrites en France restent limit\u00e9s. Assureurs et courtiers constatent pourtant un fort accroissement des demandes de cotation en 2012, faisant penser \u00e0 un r\u00e9el d\u00e9marrage de ce segment de march\u00e9 en France en 2014. 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