网络保险市场外文文献翻译.doc

　　外文文献翻译 　　原文及译文 标题： The cyber insurance market in Sweden 作者： Ulrik Franke 期刊： Computers Security ， 第 6 卷， 页： 130-144 年份： 2017 　　字数： 译文 5100 多字 　　原文 　　The cyber insurance market in Sweden 　　Ulrik Franke 　　Abstract 　　This article is a characterization of the cyber insurance market inSweden. As empirical investigations of cyber insurance are rarelyreported in the literature, the results are novel. The investigation is basedon semi-structured interviews with 10 insurance companies active on theSwedish market, and additional interviews with 2 re-insurance companiesand 3 insurance intermediaries. These informants represent essentially allcompanies selling cyber insurance on the Swedish market. Findingsinclude descriptions of the coverages offered, including discrepanciesbetween insurers, and the underwriting process used. Typical annualpremiums are found to be in the span of some 5-10 kSEK per MSEKindemnity limit, i.e. 0.5-1% of the indemnity limit. For businessinterruption coverage, waiting periods are found to be relatively longcompared to many outages. Furthermore, insurance companies imposeinformation and IT security requirements on their customers, and do notinsure customers that are too immature or have too poor security. Thuscyber insurance, in practice, is not merely an instrument of risk transfer,but also contains aspects of avoidance and mitigation. Based on thefindings, market segmentation, pricing, business continuity, andasymmetry of information are discussed, and some future work issuggested. 　　Keywords: Cyber insurance, Underwriting, Risk management, Businesscontinuity, Business interruption, Data breach, Asymmetry of information1. Introduction 　　Modern society is becoming increasingly dependent on IT services. 　　Functioning IT services now underpin aspects of all human endeavors,from work to leisure, from private to public sector, and from Andorra toZanzibar. When these services stop functioning, whether bynon-malicious mistakes or by malicious attacks,