%PDF-1.4 % 36 0 obj <> endobj 41 0 obj <> endobj 52 0 obj <> endobj 54 0 obj <> endobj 60 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm .85 .11 .6 .26 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 .014984 .51599 31.274 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm .85 .11 .6 .26 k (1)Tj ET EMC /Artifact <>BDC .52 .75 .08 0 k 254.728 82.96 348.272 121.122 re f EMC /P <>BDC /GS2 gs BT 9 0 0 9 36 570.6246 Tm 0 0 0 1 k -.005 Tc [(Cyber)19.5(attacks are emerging faster than e)6.3(ver in the)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.0776 570.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 558.6246 Tm -.005 Tc [(wake of the CO)10.7(VID-19 pandemic. As new)]TJ ET EMC /P <>BDC BT 9 0 0 9 197.1443 558.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 546.6246 Tm -.005 Tc [(dimensions are incorpor)19.5(ated int)9.8(o these disruptive)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.2774 546.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 534.6246 Tm -.005 Tc [(cyber)19.5(attacks, enterprises ar)9.8(ound the world must be)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.0438 534.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 522.6246 Tm -.005 Tc [(more vigilant about pr)9.8(otecting their critical)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.1389 522.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 510.6246 Tm -.005 Tc (information assets. Chief information security)Tj ET EMC /P <>BDC BT 9 0 0 9 217.0553 510.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 498.6246 Tm -.005 Tc (of)Tj /TT5 1 Tf .9075 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cers \(CISOs\), chief information of)Tj /TT5 1 Tf 14.6059 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cers \(CIOs\))Tj ET EMC /P <>BDC BT 9 0 0 9 229.7348 498.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 486.6246 Tm -.005 Tc (and chief executive of)Tj /TT5 1 Tf 9.6171 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cers \(CEOs\) are continually)Tj ET EMC /P <>BDC BT 9 0 0 9 234.225 486.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 474.6246 Tm -.005 Tc [(working t)9.8(o)0( identify more effective ways t)9.8(o)0( pre)6.3(vent)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.4979 474.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 462.6246 Tm -.005 Tc [(their enterprises fr)9.8(om falling victim t)9.8(o)0( these)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.0246 462.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 450.6246 Tm -.005 Tc (dynamic threats. By the end of 2020, global)Tj ET EMC /P <>BDC BT 9 0 0 9 206.2654 450.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 438.6246 Tm -.005 Tc [(cybersecurity and cyberinsur)19.5(ance spending was)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.9577 438.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 426.6246 Tm -.005 Tc [(pr)9.8(ojected t)9.8(o)0( reach US$124 billion.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 168.9388 430.3995 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 9 0 0 9 171.9261 426.6246 Tm -.005 Tc [( Cyberinsur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.4204 426.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 414.6246 Tm -.005 Tc [(has become an impor)-24.4(tant element of the loss)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.3972 414.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 402.6246 Tm -.005 Tc [(reco)7.3(very measures instituted after a cyber)19.5(attack. It)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.2839 402.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 390.6246 Tm -.005 Tc [(co)7.3(vers the potential )]TJ /TT5 1 Tf 8.895 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial losses caused by)Tj ET EMC /P <>BDC BT 9 0 0 9 219.7668 390.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 378.6246 Tm -.005 Tc [(cyber)19.5(attacks and the costs of digital forensic)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.5484 378.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 366.6246 Tm -.005 Tc (investigations and lawsuits following an attack.)Tj ET EMC /P <>BDC BT 9 0 0 9 222.8715 366.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT7 1 Tf 11 0 0 11 36 340.6245 Tm .52 .75 .08 0 k -.005 Tc [(Blanket Bond Insur)14.6(ance Contr)14.6(acts)]TJ ET EMC /P <>BDC BT 11 0 0 11 202.5117 340.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36 322.6245 Tm 0 0 0 1 k -.005 Tc [(In gener)19.5(al, enterprises pur)9.3(chase blanket bond)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.1448 322.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 310.6245 Tm -.005 Tc [(insur)19.5(ance contr)19.5(acts t)9.8(o)0( co)7.3(ver potential losses)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.886 310.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 298.6245 Tm -.005 Tc [(caused by any man-made or natur)19.5(al disasters.)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.8176 298.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 36 286.6245 Tm -.005 Tc (Figure 1)Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 68.6826 286.6245 Tm [( lists the v)7.3(arious losses co)7.3(vered \(and not)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.6502 286.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 274.6245 Tm -.005 Tc [(co)7.3(vered\) by blanket bond insur)19.5(ance contr)19.5(acts)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.7478 274.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 262.6246 Tm -.005 Tc [(based on compar)19.5(ative analysis of cyberinsur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.963 262.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 250.6246 Tm -.005 Tc [(offerings fr)9.8(om v)7.3(arious insur)19.5(ance )]TJ /TT5 1 Tf 14.52 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (rms offering)Tj ET EMC /P <>BDC BT 9 0 0 9 220.2765 250.6246 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 238.6245 Tm -.005 Tc [(cyberinsur)19.5(ance contr)19.5(acts against blanket bond)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.6467 238.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 226.6245 Tm -.005 Tc [(insur)19.5(ance contr)19.5(acts of sampled organizations.)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.2756 226.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 36 202.6245 Tm -.005 Tc (Figure 1)Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 68.6826 202.6245 Tm [( illustr)19.5(ates the gaps between blanket bond)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.2797 202.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 190.6245 Tm -.005 Tc [(insur)19.5(ance contr)19.5(acts, which pr)9.8(o)7.3(vide only par)-24.4(tial)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.5485 190.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 178.6245 Tm -.005 Tc [(pr)9.8(otection against cyber)19.5(attacks, and ex)9.8(clusive)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.088 178.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 166.6245 Tm -.005 Tc [(cyberinsur)19.5(ance liability contr)19.5(acts, which are)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.5993 166.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 154.6245 Tm -.005 Tc [(becoming popular)60.1(. )19.5(There are two options t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.6814 154.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 142.6245 Tm -.005 Tc (address these gaps: enterprises can ask their)Tj ET EMC /P <>BDC BT 9 0 0 9 214.7536 142.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 130.6245 Tm -.005 Tc [(current insurers t)9.8(o)0( enter int)9.8(o coinsur)19.5(ance or)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.6233 130.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 118.6245 Tm -.005 Tc [(reinsur)19.5(ance arr)19.5(angements with cyberinsur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.8103 118.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 106.6245 Tm -.005 Tc [(pr)9.8(o)7.3(viders t)9.8(o)0( get complete pr)9.8(otection fr)9.8(om)]TJ ET EMC /P <>BDC BT 9 0 0 9 200.5107 106.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 94.6245 Tm -.005 Tc [(cyber)19.5(attacks, or they can buy ex)9.8(clusive)]TJ ET EMC /P <>BDC BT 9 0 0 9 189.2848 94.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 82.6245 Tm -.005 Tc [(cyberinsur)19.5(ance contr)19.5(acts fr)9.8(om niche)]TJ ET EMC /P <>BDC BT 9 0 0 9 180.3988 82.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 70.6245 Tm -.005 Tc [(cyberinsur)19.5(ance enterprises in the marketplace.)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.3424 70.6245 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT7 1 Tf 11 0 0 11 254.5 568.9498 Tm .52 .75 .08 0 k -.005 Tc [(Cyberinsur)14.6(ance Contr)14.6(acts)]TJ ET EMC /P <>BDC BT 11 0 0 11 381.4207 568.9498 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 254.5 550.9498 Tm 0 0 0 1 k -.005 Tc [(E)12.7(ven ex)9.8(clusive cyberinsur)19.5(ance contr)19.5(acts ha)7.3(ve some)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.4233 550.9498 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 538.9498 Tm -.005 Tc [(restrictions on the types of co)7.3(ver)19.5(age pr)9.8(o)7.3(vided. F)10.2(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 452.1307 538.9498 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 526.9498 Tm -.005 Tc [(example, the following losses are not co)7.3(vered by)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.9595 526.9498 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 514.9498 Tm -.005 Tc [(cyberinsur)19.5(ance contr)19.5(acts:)]TJ ET EMC /P <>BDC BT 9 0 0 9 356.3832 514.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 496.9738 Tm -.005 Tc [(Loss and damage fr)9.8(om unfair tr)19.5(ade pr)19.5(actices;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 445.1716 496.9738 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 254.5 496.9738 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 265.5159 484.9738 Tm 0 0 0 1 k -.005 Tc [(employment pr)19.5(actices; willful, intentional,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 428.0251 484.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 472.9738 Tm -.005 Tc [(deliber)19.5(ate, malicious, fr)19.5(audulent, dishonest or)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.1269 472.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 460.9738 Tm -.005 Tc [(criminal acts; breach of contr)19.5(act; or theft of tr)19.5(ade)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 458.6148 460.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 448.9738 Tm -.005 Tc (secrets committed by the insured or by third)Tj ET EMC /LBody <>BDC BT 9 0 0 9 439.4762 448.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 436.9738 Tm -.005 Tc [(par)-24.4(ties \(i.e., suppliers, par)-24.4(tners, ser)-8.8(vice)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 418.9505 436.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 424.9738 Tm -.005 Tc [(pr)9.8(o)7.3(viders\) working with the enterprise)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 414.3809 424.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.5159 406.9977 Tm -.005 Tc (Business losses during unexpected downtime)Tj ET EMC /LBody <>BDC BT 9 0 0 9 446.4172 406.9977 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 254.5 406.9977 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 265.5159 394.9977 Tm 0 0 0 1 k -.005 Tc [(caused by cyber)19.5(attacks)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 358.5825 394.9977 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT11 1 Tf 30 0 0 30 36 644.1101 Tm .85 .11 .6 .26 k -.02 Tc (Decoding the Secrets of)Tj ET EMC /P <>BDC BT 30 0 0 30 335.4737 644.1101 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 30 0 0 30 36 610.11 Tm -.02 Tc [(Cyberinsur)19.5(ance Contr)19.5(acts)]TJ ET EMC /P <>BDC BT /TT7 1 Tf 11 0 0 11 267.2295 181.4875 Tm 0 0 0 0 k (Vimal Mani,)Tj ET EMC /P <>BDC BT /TT2 1 Tf 11 0 0 11 323.2903 181.4875 Tm ( CISA, CISM, Six Sigma Black Belt)Tj ET EMC /P <>BDC BT 11 0 0 11 478.2329 181.4875 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 170.6876 Tm [(Is head of the Information Security Depar)-24.4(tment of the Bank of Sharjah. He)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.9819 170.6876 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 159.8876 Tm [(is responsible for the bank)54.7(s end-t)9.8(o-end cybersecurity pr)9.8(ogr)19.5(am,)]TJ ET EMC /P <>BDC BT 9 0 0 9 516.9839 159.8876 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 149.0875 Tm [(coordinating its cybersecurity effor)-24.4(ts acr)9.8(oss the Middle East; implementing)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.5542 149.0875 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 138.2874 Tm [(its cybersecurity str)19.5(ategy and standards; leading periodic security risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.7485 138.2874 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 127.4875 Tm [(assessments, incident investigations and resolution effor)-24.4(ts; and)]TJ ET EMC /P <>BDC BT 9 0 0 9 522.165 127.4875 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 116.6874 Tm [(coordinating the bank)54.7(s security awareness and tr)19.5(aining pr)9.8(ogr)19.5(ams. He is an)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.4795 116.6874 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 105.8875 Tm (active member of the ISACA)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 379.7163 108.8574 Tm ()Tj ET EMC /P <>BDC BT 9 0 0 9 383.9615 105.8875 Tm [( Dubai Chapter)60.1(. He can be reached at)]TJ ET EMC /P <>BDC BT 9 0 0 9 531.521 105.8875 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 267.2295 95.0875 Tm (vimal.consultant@gmail.com.)Tj ET EMC /Figure <>BDC Q q 1 i 236.061 420.445 367.202 -244.801 re W n 254.728 387.288 349.502 -168.605 re 386.198 95.087 m W* n 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS1 gs q 349.302 0 0 169.402 254.421 218.239 cm /Im1 Do Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n 0 0 0 0 k /GS1 gs 515.27 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F1 1 Tf 9 0 0 9 515.27 721.5889 Tm .51765 .74902 .070588 0 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 515.284 746.986 53.701 -54.87 re W n q 1 0 0 1 568.985 747 cm 0 0 m 0 -54.884 l -9.375 -54.884 l -9.375 -9.9448 l -49.977 -9.9448 l -49.977 0 l 0 0 l f Q EMC /P <>BDC Q q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 50.9287 22.9385 Tm 0 0 0 1 k 0 Tc [( 2021 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 158.5605 22.9385 Tm [(www)60.5(.isaca.org)]TJ ET EMC Q endstream endobj 61 0 obj <>/XObject<>/ExtGState<>>> endobj 86 0 obj <> endobj 91 0 obj <> endobj 96 0 obj <> endobj 101 0 obj <> endobj 106 0 obj <> endobj 111 0 obj <> endobj 116 0 obj <> endobj 121 0 obj <> endobj 126 0 obj <> endobj 131 0 obj <> endobj 142 0 obj <> endobj 147 0 obj <> endobj 148 0 obj <> endobj 154 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm .85 .11 .6 .26 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 .014984 .51505 31.516 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm .85 .11 .6 .26 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 155.016 310.1036 Tm 0 0 0 1 k -.005 Tc [(Loss of intellectual pr)9.8(oper)-24.4(ty \(e.g., sour)9.3(ce code,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.828 310.1036 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 310.1036 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 298.1035 Tm 0 0 0 1 k -.005 Tc [(pr)9.8(oduct designs\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 221.805 298.1035 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 280.1276 Tm -.005 Tc [(Loss and damage due t)9.8(o)0( data encryption failure)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.0894 280.1276 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 280.1276 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 262.1516 Tm 0 0 0 1 k -.005 Tc [(Costs related t)9.8(o)0( software upgr)19.5(ades and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 310.877 262.1516 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 262.1516 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 250.1516 Tm 0 0 0 1 k -.005 Tc (hardware replacement)Tj ET EMC /LBody <>BDC BT 9 0 0 9 243.7736 250.1516 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 232.1756 Tm -.005 Tc [(Costs t)9.8(o)0( impr)9.8(o)7.3(ve the enterprise)39.1()54.7(s)0( cybersecurity)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.2871 232.1756 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 232.1756 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 220.1756 Tm 0 0 0 1 k -.005 Tc [(infr)19.5(astructure)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 208.4391 220.1756 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 202.1996 Tm -.005 Tc [(Costs related t)9.8(o)0( breach of contr)19.5(actual liabilities)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 341.2967 202.1996 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 202.1996 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 190.1996 Tm 0 0 0 1 k -.005 Tc (by the insured)Tj ET EMC /LBody <>BDC BT 9 0 0 9 210.4561 190.1996 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 172.2235 Tm -.005 Tc [(Costs related t)9.8(o)0( )]TJ /TT5 1 Tf 7.1992 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nes imposed by law)Tj ET EMC /LBody <>BDC BT 9 0 0 9 302.8854 172.2235 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 172.2235 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.016 160.2235 Tm 0 0 0 1 k -.005 Tc [(enfor)9.3(cement agencies or regulat)9.8(ors for crimes)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.4015 160.2235 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 148.2235 Tm -.005 Tc (committed, policy violations and noncompliance)Tj ET EMC /LBody <>BDC BT 9 0 0 9 345.7832 148.2235 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 136.2235 Tm -.005 Tc (issues)Tj ET EMC /LBody <>BDC BT 9 0 0 9 180.5815 136.2235 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.016 118.2476 Tm -.005 Tc [(Injuries t)9.8(o)0( personnel and pr)9.8(oper)-24.4(ty damage)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.9086 118.2476 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 144 118.2476 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 310.1053 Tm 0 0 0 1 k -.005 Tc [(Loss and damage due t)9.8(o)0( acts of foreign)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 530.6733 310.1053 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 362.5 310.1053 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 298.1053 Tm 0 0 0 1 k -.005 Tc [(go)7.3(vernments)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 425.4788 298.1053 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 280.1293 Tm -.005 Tc [(Loss and damage due t)9.8(o)0( violations of consumer)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 563.6339 280.1293 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 362.5 280.1293 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 268.1293 Tm 0 0 0 1 k -.005 Tc [(pr)9.8(otection laws by the insured)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 491.957 268.1293 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 250.1533 Tm -.005 Tc [(Loss and damage due t)9.8(o)0( online defamation via)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 558.1989 250.1533 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 362.5 250.1533 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 238.1533 Tm 0 0 0 1 k -.005 Tc (social media)Tj ET EMC /LBody <>BDC BT 9 0 0 9 423.7638 238.1533 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 362.5 220.1533 Tm -.005 Tc (Figure 2)Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 395.1826 220.1533 Tm [( describes the types of cyberinsur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.8688 220.1533 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 208.1533 Tm -.005 Tc [(contr)19.5(acts being sold in the marketplace.)]TJ ET EMC /P <>BDC BT 9 0 0 9 520.587 208.1533 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 196.1533 Tm -.005 Tc [(Before pur)9.3(chasing cyberinsur)19.5(ance, enterprises)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.3537 196.1533 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 184.1533 Tm -.005 Tc (should take the following steps:)Tj ET EMC /P <>BDC BT 9 0 0 9 487.6934 184.1533 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 166.1774 Tm -.005 Tc [(Per)-7.3(form a detailed cyberrisk assessment with)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.1075 166.1774 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 362.5 166.1774 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 154.1774 Tm 0 0 0 1 k -.005 Tc [(the help of an exper)-24.4(t fr)9.8(om the industry and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 541.1755 154.1774 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 142.1774 Tm -.005 Tc [(identify the current cyber)-24.4(threat landscape.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.2484 142.1774 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 124.2014 Tm -.005 Tc [(Re)6.3(view the existing blanket bond insur)19.5(ance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 543.5012 124.2014 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 362.5 124.2014 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 373.516 112.2014 Tm 0 0 0 1 k -.005 Tc [(contr)19.5(act for any gaps in co)7.3(ver)19.5(age for the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 533.096 112.2014 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 100.2014 Tm -.005 Tc [(cyberrisk fact)9.8(ors identi)]TJ /TT5 1 Tf 10.0177 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ed during the cyberrisk)Tj ET EMC /LBody <>BDC BT 9 0 0 9 558.3177 100.2014 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.516 88.2014 Tm -.005 Tc (assessment.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 424.178 88.2014 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 144.068 705.999 421.985 -372.776 re W n .90588 .24314 .66667 .12549 k /GS1 gs 144.068 690.89 421.985 15.109 re f .51765 .74902 .070588 0 k 144.053 690.89 422 -14.398 re 144.053 462.049 422 -14.398 re f .090196 .11373 .015686 0 k 144.053 676.491 422 -214.442 re 144.053 447.65 422 -114.442 re f 0 0 0 0 K 0 J 0 j 2 w 10 M [] 0 d q 1 0 0 1 144.053 690.89 cm 0 0 m 422 0 l S Q Q /GS1 gs BT /F2 1 Tf 10 0 0 10 232.3268 694.8898 Tm 0 0 0 0 k -.015 Tc .023 Tw [(Figure 1Losses Co)7.7(vered by Blanket Bond Insur)14.5(ance Contr)14.6(acts)]TJ 9 0 0 9 148.0529 680.4913 Tm -.0099 Tc -.0001 Tw [(Losses Gener)14.4(a)-.6(lly Co)7.8(vered)-9( )]TJ /F3 1 Tf .42745 .003922 .76863 0 k 0 -1.605 TD 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 666.0466 Tm 0 0 0 1 k -.0095 Tc .0005 Tw [( Loss of pr)9.3(oper)-23.7(ty fr)9.3(om premises due t)9(o)-.3( theft, burglary, r)9.3(o)-.3(bbery and purposeful attacks)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 656.0475 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 656.0475 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Loss caused by dishonest or fr)19.5(audulent acts committed by employees)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 646.0485 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 646.0485 Tm 0 0 0 1 k -.0095 Tc -.0006 Tw [( Loss of pr)9.4(oper)-23.6(ty in tr)19.4(ansit)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 636.0495 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 636.0495 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.7(Loss of or damage t)9.2(o).1( offices and their contents, such as furniture and equipment \(including all kinds of information)-9.2( )]TJ .219 -1.111 TD [(assets\), caused by burglary, r)9.6(o)0(bbery, theft and any other illegal act)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 616.0514 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 616.0514 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Loss of and damage t)9.2(o).1( electr)9.6(onic data media caused by r)9.6(o).1(bbery, burglary, theft, malicious damage, misplacement or)-9.5( )]TJ .219 -1.111 TD -.0095 Tc -.0006 Tw [(disappear)19.4(ance due t)9(o)-.1( unknown reasons)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 596.0532 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 596.0532 Tm 0 0 0 1 k -.0095 Tc .0005 Tw [( Loss of and damage t)8.9(o)-.2( data due t)8.9(o)-.2( virus attacks)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 586.0541 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 586.0541 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( Loss of and damage t)9.3(o).2( data due t)9.3(o).2( physical attack or intrusion)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 576.0552 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 576.0552 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Inter)9.6(c).1(eption of communications sent and commission of fr)19.6(aud by using the same)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 566.0562 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 566.0562 Tm 0 0 0 1 k -.0095 Tc .0005 Tw ( Loss and damage caused by forged signatures)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 556.0572 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 556.0572 Tm 0 0 0 1 k -.0095 Tc .0005 Tw ( Loss and damage caused by forged fax messages)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 546.0582 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 546.0582 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Loss of and damage t)9.1(o)0( computer pr)9.5(ogr)19.5(a)-.9(ms)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 536.0591 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 536.0591 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( Loss of and damage t)9.2(o).1( data st)9.2(ored in electr)9.6(onic media)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 526.0602 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 526.0602 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Loss of and damage t)9.1(o)0( data pr)9.5(ocessing media such as magnetic tapes, magnetic disks and other bulk media)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 516.0612 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 516.0612 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Loss and damage caused by commotion, riots, hostilities, rebellion, re)5.9(v)7.5(o)0(lution or warlike oper)19.4(ations)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 506.0622 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 506.0622 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( Loss and damage caused by r)19.6(a)-.8(diation, explosions, and t)9.2(o)11(xic and hazardous materials)-9( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 496.0632 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 496.0632 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( Loss and damage caused by threats made with the intention t)9.2(o).1( harm a person or physical premises)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 486.0641 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 486.0641 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( Loss and damage caused by loss of mail tr)19.6(anspor)-23.4(ted in nonarmored enterprise vehicles)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 476.0652 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 476.0652 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Loss of and damage t)9.3(o).2( the premises caused by mechanical failure, faulty construction, wear and tear)59.6(, electrical)-9.7( )]TJ .219 -1.111 TD [(disturbance, electr)9.5(onic media pr)9.6(ocessing failure, and failure of software pr)9.5(ogr)19.5(a)-.9(ms)]TJ ET /GS1 gs BT /F2 1 Tf 9 0 0 9 148.0529 451.6662 Tm 0 0 0 0 k -.0099 Tc -.0001 Tw [(Losses Not Gener)14.5(a)-.5(lly Co)8(vered)-10( )]TJ /F3 1 Tf .42745 .003922 .76863 0 k 0 -1.605 TD 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 437.2212 Tm 0 0 0 1 k -.0093 Tc .0003 Tw ( Loss and damage caused by social engineering attacks via telephone, fax or email)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 427.2222 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 427.2222 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.6(Loss and damage due t)9.2(o).1( data priv)7.5(acy breaches \(unauthorized access t)9.2(o).1( data resulting in cust)9.2(omers priv)7.5(ate data)-9.8( )]TJ .219 -1.111 TD [(reaching unauthorized hands\))-10.2( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 407.2242 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 407.2242 Tm 0 0 0 1 k -.0095 Tc .0005 Tw [( Loss and damage due t)8.9(o)-.2( fr)19.4(audulent or defective computer pr)9.4(ogr)19.3(a)0(ms pr)9.3(ocured by the enterprise)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 397.2252 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 397.2252 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.8(Loss and damage caused by the purposeful commission of fr)19.5(aud thr)9.5(o)0(ugh the misuse of access privileges)-9.1( )62.8( )]TJ .219 -1.111 TD -.0096 Tc .0006 Tw [(\(e.g., accessing a critical system t)8.8(o)-.4( steal data\))]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 377.2272 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 377.2272 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( Loss and damage fr)9.5(om network failure due t)9.1(o)-.1( cyber)19.5(a)-.9(ttack)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 367.2282 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 367.2282 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Loss and damage \(reputational and financial\) due t)9.2(o).1( the threat of intentional cyber)19.6(a)-.8(ttack by an outsider attempting)-8.7( )68.3( )]TJ .219 -1.1111 TD -.0096 Tc -.0005 Tw [(t)8.8(o)-.3( ext)8.8(o)-.3(r)-23.8(t)-.2( money, securities or other v)7.1(a)-.1(luables)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 347.2292 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 347.2292 Tm 0 0 0 1 k -.0094 Tc -.0007 Tw [( Loss and damage due t)9.1(o)-.1( online defamation via social media)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 148.0529 337.2302 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 152.463 337.2302 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.9(Loss and damage due t)9.1(o)0( r)19.5(a).1(nsomware attack \(request for r)19.5(a)-.9(nsom by adversaries\))]TJ ET EMC /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n BT /TT2 1 Tf 7 0 0 7 415.3911 21.3693 Tm 0 Tc 0 Tw [( 2021 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 523.0229 21.3693 Tm [(www)60.5(.isaca.org)]TJ ET EMC Q endstream endobj 155 0 obj <>/ExtGState<>>> endobj 172 0 obj <> endobj 177 0 obj <> endobj 182 0 obj <> endobj 187 0 obj <> endobj 192 0 obj <> endobj 197 0 obj <> endobj 202 0 obj <> endobj 207 0 obj <> endobj 212 0 obj <> endobj 219 0 obj <> endobj 225 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm .85 .11 .6 .26 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 .014984 .51599 31.274 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm .85 .11 .6 .26 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 46.3808 489.9018 Tm 0 0 0 1 k -.005 Tc (Discuss with the existing insurer the possibility)Tj ET EMC /LBody <>BDC BT 9 0 0 9 230.6497 489.9018 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 35.3647 489.9018 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.3808 477.9018 Tm 0 0 0 1 k -.005 Tc [(of enhancing the existing contr)19.5(act t)9.8(o)0( include)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 221.3024 477.9018 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 465.9019 Tm -.005 Tc [(co)7.3(ver)19.5(age of identi)]TJ /TT5 1 Tf 7.8343 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ed cyberrisk fact)9.8(ors.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 202.2178 465.9019 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 447.9258 Tm -.005 Tc [(If the insurer is not in a position t)9.8(o)0( re)6.3(vise the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 220.8016 447.9258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 35.3647 447.9258 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.3808 435.9258 Tm 0 0 0 1 k -.005 Tc [(existing blanket bond insur)19.5(ance contr)19.5(act, sear)9.3(ch)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.9702 435.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 423.9258 Tm -.005 Tc [(the marketplace for niche insurers and insur)19.5(ance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.0005 423.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 411.9258 Tm -.005 Tc [(br)9.8(okers in the industry offering ex)9.8(clusive)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 206.0169 411.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 399.9258 Tm -.005 Tc [(cyberinsur)19.5(ance plans.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 132.5621 399.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 381.9498 Tm -.005 Tc [(E)12.7(v)7.3(aluate the cybersecurity and data priv)7.3(acy)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 216.7121 381.9498 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 35.3647 381.9498 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.3808 369.9498 Tm 0 0 0 1 k -.005 Tc [(pr)19.5(actices of all potential insurers or insur)19.5(ance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.331 369.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 357.9498 Tm -.005 Tc [(br)9.8(okers and identify the most reputable ones.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 225.1212 357.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 345.9498 Tm -.005 Tc [(This is very impor)-24.4(tant because enterprises share)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.1743 345.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 333.9498 Tm -.005 Tc (signi)Tj /TT5 1 Tf 2.0888 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cant amounts of business-related)Tj ET EMC /LBody <>BDC BT 9 0 0 9 202.567 333.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 321.9498 Tm -.005 Tc (information with these insurers.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 171.6225 321.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 303.9739 Tm -.005 Tc (Discuss with the selected insurers which)Tj ET EMC /LBody <>BDC BT 9 0 0 9 206.5903 303.9739 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 35.3647 303.9739 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.3808 291.9739 Tm 0 0 0 1 k -.005 Tc [(cyber)-24.4(threats should be co)7.3(vered by the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 196.631 291.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 279.9739 Tm -.005 Tc [(cyberinsur)19.5(ance plan. Carefully re)6.3(view the plan)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.5792 279.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 267.9739 Tm -.005 Tc [(pr)9.8(o)7.3(vided by insur)19.5(ance under)-8.3(writers for any gaps)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.7758 267.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 255.9739 Tm -.005 Tc [(and misinterpretations. F)10.2(or example, time is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 219.471 255.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 243.9739 Tm -.005 Tc [(critical in ensuring that co)7.3(ver)19.5(age is triggered)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 221.1905 243.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 231.9739 Tm -.005 Tc [(appr)9.8(opriately. A policy requiring that a )28.8(claim be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.613 231.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 219.9739 Tm -.005 Tc [(made before co)7.3(ver)19.5(age applies may not be in line)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.0151 219.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 207.9739 Tm -.005 Tc [(with the enterprise)39.1()54.7(s)0( expectations. Instead, a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 220.9498 207.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 195.9739 Tm -.005 Tc [(policy that is triggered upon the disco)7.3(very of a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 234.3885 195.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 183.9739 Tm -.005 Tc [(data breach may be more appr)9.8(opriate. Likewise,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.421 183.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 171.9739 Tm -.005 Tc (legal liabilities may be unclear in the plan)Tj ET EMC /LBody <>BDC BT 9 0 0 9 207.7771 171.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 159.9739 Tm -.005 Tc (document. Because insurers are often required)Tj ET EMC /LBody <>BDC BT 9 0 0 9 231.5108 159.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 147.9739 Tm -.005 Tc [(t)9.8(o)0( pay out only what is legally required, an)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 210.4841 147.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 135.9739 Tm -.005 Tc (enterprise may be liable for outstanding)Tj ET EMC /LBody <>BDC BT 9 0 0 9 203.0747 135.9739 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 123.9738 Tm -.005 Tc [(damages that are not co)7.3(vered by insur)19.5(ance. All)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 231.2726 123.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 111.9738 Tm -.005 Tc (plan agreements must be carefully read and)Tj ET EMC /LBody <>BDC BT 9 0 0 9 219.785 111.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3808 99.9738 Tm -.005 Tc [(vetted by the enterprise)39.1()54.7(s)0( legal counsel.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 201.0829 99.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 489.9017 Tm -.005 Tc [(Re)6.3(view the details of )]TJ /TT5 1 Tf 9.3178 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(rst- and third-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 425.3747 489.9017 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 252.8647 489.9017 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.8808 477.9017 Tm 0 0 0 1 k -.005 Tc [(co)7.3(ver)19.5(age as co)7.3(ver)19.5(age limitations may differ fr)9.8(om)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 457.208 477.9017 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 465.9017 Tm -.005 Tc [(insurer t)9.8(o)0( insurer)60.1(. Re)6.3(view the plan and negotiate)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.975 465.9017 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 453.9017 Tm -.005 Tc [(for more co)7.3(ver)19.5(age if it is deemed inadequate t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 450.371 453.9017 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 441.9017 Tm -.005 Tc [(co)7.3(ver costs payable.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 344.9216 441.9017 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 423.9258 Tm -.005 Tc [(Re)6.3(view the liabilities section of the plan)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 419.1093 423.9258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 252.8647 423.9258 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.8808 411.9258 Tm 0 0 0 1 k -.005 Tc [(document carefully. In gener)19.5(al, the third-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 442.2896 411.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 399.9258 Tm -.005 Tc [(liabilities section should co)7.3(ver the insured for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 442.3413 399.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 387.9258 Tm -.005 Tc [(liability arising fr)9.8(om cyber)19.5(attacks.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 396.6858 387.9258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 369.9498 Tm -.005 Tc [(Re)6.3(view ex)9.8(clusions mentioned in the plan)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 423.7529 369.9498 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 252.8647 369.9498 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.8808 357.9498 Tm 0 0 0 1 k -.005 Tc [(documents and negotiate t)9.8(o)0( limit ex)9.8(clusions as)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 450.3062 357.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 345.9498 Tm -.005 Tc (much as possible.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 335.6434 345.9498 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 327.9738 Tm -.005 Tc [(Re)6.3(view the scope of ser)-8.8(vices offered by the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 435.302 327.9738 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 252.8647 327.9738 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.8808 315.9738 Tm 0 0 0 1 k -.005 Tc [(insurer as par)-24.4(t of the plan.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 367.4441 315.9738 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 297.9978 Tm -.005 Tc [(Request the remo)7.3(v)7.3(al of sublimits fr)9.8(om the policy.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 457.4004 297.9978 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 12 0 0 12 252.8647 297.9978 Tm .42 0 .77 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.8808 285.9978 Tm 0 0 0 1 k -.005 Tc [(If they cannot be remo)7.3(ved, negotiate the highest)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 453.7847 285.9978 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 263.8808 273.9978 Tm -.005 Tc (sublimit possible for the lowest cost.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 409.1817 273.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 252.8647 255.9978 Tm -.005 Tc (Figure 3)Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 285.5474 255.9978 Tm [( shows the types of pr)9.8(otection offered by)]TJ ET EMC /P <>BDC BT 9 0 0 9 447.1402 255.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 243.9978 Tm -.005 Tc [(cyberinsur)19.5(ance pr)9.8(oducts currently sold in the)]TJ ET EMC /P <>BDC BT 9 0 0 9 429.9704 243.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 231.9978 Tm -.005 Tc (marketplace.)Tj ET EMC /P <>BDC BT 9 0 0 9 304.4001 231.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT7 1 Tf 11 0 0 11 252.8647 205.9978 Tm .52 .75 .08 0 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 307.6534 205.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 252.8647 187.9978 Tm 0 0 0 1 k -.005 Tc [(T)48.3(o)0( sur)-8.8(vive and thrive in the increasingly complex)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.774 187.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 175.9978 Tm -.005 Tc [(cyber)-24.4(threat landscape, enterprises should consider)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.3682 175.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 163.9978 Tm -.005 Tc [(cyberinsur)19.5(ance plans. )19.5(The bene)]TJ /TT5 1 Tf 13.8559 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ts of these plans)Tj ET EMC /P <>BDC BT 9 0 0 9 448.0729 163.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 151.9978 Tm -.005 Tc (extend far beyond mere reimbursement of )Tj /TT5 1 Tf 18.7224 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial)Tj ET EMC /P <>BDC BT 9 0 0 9 454.7919 151.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 139.9978 Tm -.005 Tc [(losses. Cyberinsur)19.5(ance plans are e)6.3(v)7.3(olving int)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 434.7111 139.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 127.9978 Tm -.005 Tc [(pr)9.8(oducts that help insured enterprises assess their)]TJ ET EMC /P <>BDC BT 9 0 0 9 452.6752 127.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 115.9978 Tm -.005 Tc (cybersecurity posture and strengthen their incident)Tj ET EMC /P <>BDC BT 9 0 0 9 453.2552 115.9978 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 252.8647 103.9978 Tm -.005 Tc [(response capabilities. Cyberinsur)19.5(ance plans are an)]TJ ET EMC /P <>BDC BT 9 0 0 9 453.0674 103.9978 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .90588 .24314 .66667 .12549 k /GS1 gs 36.433 690.89 421.985 15.109 re f q 1 i 36.433 705.999 421.985 -193.95 re W n .51765 .74902 .070588 0 k 36.417 690.89 211 -14.398 re 247.417 690.89 211 -14.398 re f .090196 .11373 .015686 0 k 36.417 676.491 211 -164.442 re 247.417 676.491 211 -164.442 re f 0 0 0 0 K 0 J 0 j 2 w 10 M [] 0 d q 1 0 0 1 36.417 690.89 cm 0 0 m 211 0 l S 1 0 0 1 211 0 cm 0 0 m 211 0 l S Q Q 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d 1 i q 1 0 0 1 247.418 676.491 cm 0 0 m 0 13.398 l S 1 0 0 1 0 -164.442 cm 0 0 m 0 164.442 l S Q BT /F2 1 Tf 10 0 0 10 160.1855 694.8898 Tm 0 0 0 0 k -.015 Tc .023 Tw [(Figure 2Types of Cyberinsur)14.7(ance Contr)14.7(acts)]TJ 9 0 0 9 76.4673 680.4913 Tm -.0097 Tc -.0003 Tw [(First-P)5.8(a)-.2(r)-23.1(t)-.3(y Cyberinsur)14.8(ance Contr)14.8(a).2(cts)-9.9( )-8519.7(Third-P)5.8(ar)-23.2(ty Cyberinsur)15(ance Contr)15(a)-.3(cts)]TJ /F3 1 Tf .42745 .003922 .76863 0 k -4.006 -1.605 TD 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 666.0465 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Pr)9.6(o)8(v)-.4(ides co)8.1(ver)19.6(age against losses incurred directly by the)-10( )]TJ .219 -1.111 TD -.0097 Tc -.0004 Tw (insured enterprise)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 40.4136 646.0485 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 646.0485 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.6(Pr)9.6(o)8(v)-.4(ides co)8.1(ver)19.6(age against losses due t)9.2(o).1( damage t)9.2(o)-9( )]TJ .219 -1.111 TD [(critical information elements, software and systems of)-10( )]TJ T* -.0097 Tc -.0004 Tw (the insured enterprise)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 40.4136 616.0513 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 616.0513 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.8(Pr)9.5(o)7.9(v)-.5(ides co)8(ver)19.5(age for re)5.9(venue losses caused by network)-8.7( )]TJ .219 -1.111 TD .0005 Tw (security breaches or failures)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 40.4136 596.0532 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 596.0532 Tm 0 0 0 1 k -.0094 Tc -.0007 Tw [( )219.4(Pr)9.5(o)7.9(v)-.5(ides co)8(ver)19.5(age for losses arising fr)9.5(om the theft)-9.9( )]TJ .219 -1.111 TD .0005 Tw [(or fr)19.3(audulent use of the insured enterprise)38.8()54.2(s)-.4( data and)-9.9( )]TJ T* -.0096 Tc .0006 Tw (critical information systems by adversaries)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 40.4136 566.0562 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 566.0562 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.5(Pr)9.5(o)7.9(v)-.5(ides co)8(ver)19.5(age for r)19.5(a)-.9(nsomware threats fr)9.6(om)-9.5( )]TJ .219 -1.111 TD -.0097 Tc .0007 Tw [(adversaries of the insured enterprise)-9.5( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 40.4136 546.0582 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 44.8232 546.0582 Tm 0 0 0 1 k -.0094 Tc -.0007 Tw [( )219.3(Pr)9.5(o)7.9(v)-.5(ides co)8(ver)19.5(age for the cost of forensic investigations)-9.2( )]TJ .219 -1.111 TD .0004 Tw [(conducted as par)-23.5(t).1( of the incident response cycle)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 251.4095 666.0553 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 255.8195 666.0553 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.8(Pr)9.7(o)8(v)-.4(ides co)8(ver)19.7(age against claims for losses incurred by)-9.2( )]TJ .219 -1.111 TD -.0095 Tc .0005 Tw [(third-par)-23.6(t)-.1(y enterprises or individuals \(suppliers, par)-23.7(t)0(ners,)-10.1( )]TJ T* [(ser)-8.7(v)-.7(ice pr)9.3(o)7.8(v)-.7(iders\) working with the insured enterprise)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 251.4095 636.0582 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 255.8195 636.0582 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Pr)9.7(o)8(v)-.4(ides co)8(ver)19.7(age against losses due t)9.3(o).1( the theft)-9.9( )]TJ .219 -1.111 TD [(or misuse of data held by third-par)-23.3(t).1(y enterprises or)-9.5( )]TJ T* -.0095 Tc .0005 Tw [(individuals \(suppliers, par)-23.6(t)-.3(ners, ser)-8.6(v)-.8(ice pr)9.4(o)7.8(v)-.7(iders\))-10.4( )]TJ T* .0004 Tw (working with the insured enterprise)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 251.4095 596.0621 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 255.8195 596.0621 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Pr)9.8(o)8.1(vides co)8.1(ver)19.8(age for network liability \(downstream\),)-9.7( )]TJ .219 -1.111 TD [(pr)9.7(otecting against distributed denial-of-ser)-8.3(vice \(DDoS\))-10.1( )]TJ T* -.0096 Tc .0006 Tw [(and bot attacks against third-par)-23.8(t)-.2(y enterprises or)-9.9( )]TJ T* -.0095 Tc .0005 Tw [(individuals \(suppliers, par)-23.6(t)-.3(ners, ser)-8.6(v)-.8(ice pr)9.4(o)7.8(v)-.7(iders\))-10.4( )]TJ T* .0004 Tw (working with the insured enterprise)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 251.4095 546.0671 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 255.8195 546.0671 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.7(Pr)9.7(o)8(v)-.4(ides co)8(ver)19.7(age against liability \(lawsuits and)-9.6( )]TJ .219 -1.111 TD [(resulting judgments\) for losses of third par)-23.5(t)0(ies)-9.2( )]TJ T* -.0096 Tc .0006 Tw [(\(suppliers, par)-23.7(t)-.4(ners, ser)-8.9(v)-.8(ice pr)9.2(o)7.6(v)-.8(iders\) arising fr)9.3(om the)-10.3( )]TJ T* -.0094 Tc .0004 Tw (negligence of the insured enterprise)Tj ET EMC /P <>BDC q 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n BT /TT2 1 Tf 7 0 0 7 36.2229 21.3693 Tm 0 Tc 0 Tw [( 2021 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 143.8547 21.3693 Tm [(www)60.5(.isaca.org)]TJ ET EMC Q endstream endobj 226 0 obj <>/ExtGState<>>> endobj 248 0 obj <> endobj 249 0 obj <> endobj 251 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.515 m W n 0 783.015 603 -783 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm .85 .11 .6 .26 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 .014984 .51505 31.516 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm .85 .11 .6 .26 k (4)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 414.3912 21.7152 Tm 0 0 0 1 k [( 2021 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 522.0229 21.7152 Tm [(www)60.5(.isaca.org)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 144 315.2106 Tm -.005 Tc [(effective way t)9.8(o)0( build a str)9.8(ong cyberresilience)]TJ ET EMC /P <>BDC BT 9 0 0 9 323.9908 315.2106 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 303.2105 Tm -.005 Tc [(capability. With the arriv)7.3(al of the F)10.2(our)-24.4(th Industrial)]TJ ET EMC /P <>BDC BT 9 0 0 9 337.6078 303.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 291.2105 Tm -.005 Tc [(Re)6.3(v)7.3(olution and signi)]TJ /TT5 1 Tf 8.8404 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cant de)6.3(velopments driven by)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.6734 291.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 279.2105 Tm -.005 Tc (digital technologies such as )Tj /TT5 1 Tf 12.4844 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech, block)9.8(chain,)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.856 279.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 267.2105 Tm -.005 Tc [(r)9.8(obotic pr)9.8(ocess aut)9.8(omation \(RP)67.4(A\) and the Internet)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.1514 267.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 255.2105 Tm -.005 Tc [(of )19.5(Things \(IoT\), the possible cyber)19.5(attack vect)9.8(ors are)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.5149 255.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 243.2105 Tm -.005 Tc [(increasing. Pur)9.3(chasing suitable cyberinsur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.8145 243.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 231.2105 Tm -.005 Tc [(plans will help enterprises tr)19.5(ansfer the responsibility)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.8599 231.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 219.2105 Tm -.005 Tc [(for mitigating these cyberrisk fact)9.8(ors t)9.8(o)0( insurers.)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.0013 219.2105 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT7 1 Tf 11 0 0 11 362.5 313.1155 Tm .52 .75 .08 0 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 408.3053 313.1155 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.8636 295.1155 Tm 0 0 0 1 k -.005 Tc (Clement, J.; Global Cyber Security and Cyber)Tj ET EMC /LBody <>BDC BT 9 0 0 9 557.4438 295.1155 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT7 1 Tf 9 0 0 9 367.5 295.1155 Tm .42 0 .77 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 283.1155 Tm 0 0 0 1 k -.005 Tc [(Insur)19.5(ance Spending 2015-2020,)83( Statista, 10)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.8944 283.1155 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 271.1155 Tm -.005 Tc [(No)7.3(vember 2020,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.4411 271.1155 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 379.5 259.1155 Tm -.005 Tc [(https:/)109.4(/www)60.5(.statista.com/statistics/387868/it-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 247.1155 Tm (cyber-security-budget/)Tj ET EMC /Figure <>BDC Q q 1 i 146.015 687.308 421.985 -342.776 re W n .90588 .24314 .66667 .12549 k /GS1 gs 146.015 672.199 421.985 15.109 re f .51765 .74902 .070588 0 k 146 672.199 422 -14.398 re 146 443.358 422 -14.398 re f .090196 .11373 .015686 0 k 146 657.8 422 -214.442 re 146 428.959 422 -84.442 re f 0 0 0 0 K 0 J 0 j 2 w 10 M [] 0 d q 1 0 0 1 146 672.199 cm 0 0 m 422 0 l S Q Q /GS1 gs BT /F2 1 Tf 10 0 0 10 288.369 676.1985 Tm 0 0 0 0 k -.015 Tc .022 Tw [(Figure 3Cyberinsur)14.8(ance Offerings)]TJ 9 0 0 9 150.0005 661.8001 Tm -.0099 Tc -.0001 Tw (Main Offerings)Tj /F3 1 Tf .42745 .003922 .76863 0 k 0 -1.605 TD 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 647.3548 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0097 Tc -.0003 Tw (Fines and investigations)Tj /F4 1 Tf 9.493 0 TD -.0094 Tc -.0007 Tw [(Co)8(v)-.6(ers the potentially significant costs of data pr)9.6(otection regulat)9.2(or investigations and)-9.7( )]TJ -9.493 -1.111 TD .0003 Tw [(legally insur)19.6(a)-.8(ble fines following data security breaches)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 627.3567 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 627.3567 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0098 Tc -.0002 Tw (Crisis management)Tj /F4 1 Tf 7.5505 0 TD -.0093 Tc .0003 Tw [(Co)8.1(v)-.5(ers cyberincident response ser)-8.4(v)-.5(ices following a data breach, public relations ser)-8.3(v)-.4(ices t)9.2(o)-9( )]TJ -7.5505 -1.111 TD [(repair enterprise and individual reputations, breach coaching and notification, and monit)9.2(oring of costs associated)-9.7( )]TJ T* [(with a breach)-9.1( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 597.3597 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 597.3597 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0098 Tc -.0002 Tw [(Electr)17.8(onic data pr)17.8(otection)]TJ /F4 1 Tf 10.0499 0 TD -.0093 Tc .0003 Tw [(Co)8.1(v)-.5(ers the costs of making data safe again after a leak or a breach including third-par)-23.4(t).1(y)-9.2( )]TJ -10.0499 -1.111 TD [(loss, first-par)-23.4(t).2(y loss, lost income and additional oper)19.7(ating expenses incurred)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 577.3619 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 577.3619 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0096 Tc -.0004 Tw [(Security and priv)6.7(acy liability)]TJ /F4 1 Tf 11.0329 0 TD -.0094 Tc .0004 Tw [(Co)7.9(v)-.6(ers third-par)-23.5(t).1(y claims arising fr)9.5(om a failure of the insured)54.5(s network security or a)-10( )]TJ -11.0329 -1.111 TD [(failure t)9.1(o)0( pr)9.5(otect personally identifiable information \(PII\) and responds t)9.2(o)0( regulat)9.1(ory actions connected with a security)-9.2( )]TJ T* [(failure, priv)7.5(acy breach, or failure t)9.2(o).1( disclose a security failure or priv)7.5(acy breach)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 547.3649 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 547.3649 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD [(E)12.4(vent management)]TJ /F4 1 Tf 7.4516 0 TD -.0094 Tc -.0007 Tw [(Co)8(v)-.6(ers security failures or priv)7.5(acy breaches, including the cost of notifications \(including)-8.8( )]TJ -7.4516 -1.111 TD .0003 Tw [(v)7.5(o).1(luntary notifications\), public relations, and other ser)-8.4(v)-.4(ices t)9.2(o).1( manage and mitigate a cyberincident, forensic)-8.9( )]TJ T* [(investigations, legal consultations and identity monit)9.3(oring for victims of a breach)-9( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 517.3679 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 517.3679 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0099 Tc -.0001 Tw (Business network interruption)Tj /F4 1 Tf 11.7551 0 TD -.0094 Tc .0004 Tw [(Co)8(v)-.6(ers loss of income and oper)19.5(ating expenses when business oper)19.4(ations are)-10( )]TJ -11.7551 -1.111 TD .0005 Tw [(interrupted or suspended due t)8.9(o)-.2( a network security failure)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 497.3699 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 497.3699 Tm 0 0 0 1 k ( )Tj ET /GS1 gs BT /F2 1 Tf 9 0 0 9 156.3813 497.3699 Tm .42745 .003922 .76863 0 k ( )Tj ET /GS2 gs BT 9 0 0 9 156.3813 497.3699 Tm 0 0 0 1 k -.01 Tc [(Cyberext)13.4(or)-23.4(tion)]TJ /F4 1 Tf 5.8081 0 TD -.0093 Tc .0003 Tw [(Co)8.1(v)-.5(ers the threat of intentional cyber)19.6(a)-.8(ttacks by an outsider attempting t)9.3(o).1( ext)9.2(o).1(r)-23.4(t).2( money, securities or)-9.5( )]TJ -5.8081 -1.1111 TD [(other v)7.5(aluables and includes the cost of an investigation t)9.2(o).1( determine the origin of the threat)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 477.3719 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 477.3719 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0098 Tc -.0002 Tw [(Damages due t)13.6(o)1.1( online defamation)]TJ /F4 1 Tf 13.5401 0 TD -.0093 Tc .0003 Tw [(Co)8.1(v)-.5(ers loss of reputation and subsequent financial loss due t)9.3(o)0( online)-9.9( )]TJ -13.5401 -1.111 TD -.0098 Tc -.0003 Tw (defamation via social media)Tj ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 457.3739 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 457.3739 Tm 0 0 0 1 k -.0101 Tc ( )Tj /F2 1 Tf .219 0 TD -.0098 Tc -.0002 Tw [(Copyright and tr)14.7(ademark infringement)]TJ /F4 1 Tf 14.9244 0 TD -.0094 Tc .0004 Tw [(Co)7.9(v)-.6(ers losses due t)9.1(o)0( any infringement of copyrights and tr)19.6(ademarks owned)-9.7( )]TJ -14.9244 -1.111 TD (by the insured)Tj ET /GS1 gs BT /F2 1 Tf 9 0 0 9 150.0005 432.9749 Tm 0 0 0 0 k -.0096 Tc -.0004 Tw (Additional Offerings)Tj /F3 1 Tf .42745 .003922 .76863 0 k 0 -1.605 TD 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 418.5299 Tm 0 0 0 1 k -.0097 Tc -.0004 Tw [( )219(Pr)9.1(o)7.5(v)-.9(ision of cyberrisk intelligence)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 408.5309 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 408.5309 Tm 0 0 0 1 k -.0093 Tc .0003 Tw [( )219.5(F)12.8(r).6(ee infr)19.6(astructure vulner)19.6(ability analysis)-9.1( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 398.5319 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 398.5319 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.6(Access t)9.1(o)0( risk management t)9.2(ools)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 388.5329 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 388.5329 Tm 0 0 0 1 k -.0094 Tc .0004 Tw [( )219.6(Pr)9.5(oactive shunning ser)-8.5(v)-.5(ice \(pr)9.5(o)-.1(tection measure t)9.2(o)0( a)7.1(v)7.5(oid hackers\))]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 378.5339 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 378.5339 Tm 0 0 0 1 k -.0095 Tc -.0006 Tw [( )219(Legal consultation on cyberrisk)-8.8( )]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 368.5349 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 368.5349 Tm 0 0 0 1 k -.0095 Tc -.0006 Tw [( )219.3(Investigation of cyberincidents by an exper)-23.5(t)0( team)]TJ ET /GS1 gs BT /F3 1 Tf 9 0 0 9 150.0005 358.5369 Tm .42745 .003922 .76863 0 k 0 Tc 0 Tw ()Tj ET /GS2 gs BT /F4 1 Tf 9 0 0 9 154.4102 358.5369 Tm 0 0 0 1 k -.0095 Tc -.0006 Tw [( )219.4(F)12.5(r).3(ee cybersecurity maturity assessment 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