Võrgukindlustus

Võrgukindlustus, also known as network security insurance, is a type of insurance policy designed to protect businesses and individuals from financial losses arising from cyber incidents. These incidents can include data breaches, ransomware attacks, denial-of-service attacks, and other forms of cybercrime that compromise computer systems and sensitive information.

The primary purpose of võrgukindlustus is to mitigate the significant financial impact that such events can have. This coverage typically extends to costs associated with responding to a cyberattack, such as forensic investigations to determine the cause and extent of the breach, legal fees for regulatory compliance and potential litigation, public relations expenses to manage reputational damage, and the cost of notifying affected individuals.

Furthermore, võrgukindlustus can cover business interruption losses, which occur when a company's operations are halted due to a cyberattack. This might include lost profits and the expenses incurred to resume normal business activities. It can also provide coverage for funds transfer fraud and cyber extortion, where attackers demand payment to restore access to data or prevent its public release.

The availability and specifics of võrgukindlustus policies vary widely among insurance providers. Businesses often assess their specific cyber risks and the sensitivity of the data they handle to determine the appropriate level and type of coverage needed. While it does not prevent cyberattacks, võrgukindlustus offers a crucial financial safety net for organizations navigating the complex landscape of cybersecurity threats.