AlfaCyber Cyber ​ ​ Insurance

Main article: InsurTech - Information technology and digitalization in insurance (cyber insurance and telematics data)

AlphaCyber provides coverage from four groups of events: a targeted computer attack aimed at seizing control of the policyholder's information system or destabilizing it, denial of service; introduction of malicious computer programs (viruses) developed by third parties; sudden and unforeseen technical failures in the operation of software or computer equipment included in the information system of the insured, unintended errors of employees and contractors of the insured that led to such failures; malicious intent of the insured's employees.

AlfaCyber ​ ​ policy from AlfaStrakhovanie allows you to reduce the loss of almost any business from cyber risks. The insurer's line-up includes both standard products such as CyberLight and CyberBusiness, as well as customized programs customized to suit each customer's needs. CyberBusiness, for example, provides protection against data loss, losses due to a break in commercial activities, theft of funds in electronic form, as well as in connection with the disclosure of personal data, cyber extortion.

As of the end of 2019, the cost of insurance is determined individually depending on the set of risks, the insured amount and deductible, as well as the nature of the company's activities and the results of the risk protection assessment. On average, insurance amounts range from 1 to 700 million rubles, the price of the policy starts from 25 thousand rubles. per year.

2018

Pre-audit solution for information security companies

The proposal from Positive Technologies and AlfaStrakhovanie will help businesses protect themselves from cyber threats, make it possible to conduct a preliminary information security audit, as well as investigate the causes of possible cyber incidents to prevent their recurrence. This became known on December 13, 2018. The cost of protection starts from 25 thousand rubles.

In 2018 alone, Russian companies lost 600 billion rubles. as a result of cyber attacks. In addition to the sensational cyber incidents in large companies, cyber attacks on representatives of small and medium-sized businesses have become more frequent: they are suppliers of large companies and, as a rule, have insufficient protection against cyber threats. And the profile of the company, which is the target of the attack, is no longer important, because technical means that guarantee 100% protection against hackers have not yet been found.

The presented proposal from AlfaStrakhovanie and Positive Technologies allows you to choose the most suitable cyber risk protection format for your business. After all, every year PT Expert Security Center specialists from Positive Technologies conduct dozens of investigations into information security incidents.

Among public projects, one can note the investigation of the actions of the Cobalt grouping, the identification of APT attacks on state structures using harmful ON SANNY, the detection of the ICEFOG grouping. In the course of their research, Positive Technologies experts identify dozens of vulnerabilities, helping to secure products,,, and Apple Intel SAP Siemens other major companies in the world.

A study conducted by Positive Technologies shows that about a quarter of domestic companies assess the potential damage from the failure of all corporate infrastructure as a result cyber attacks within one day from 10 to 50 million rubles. and higher, and a little less than 20% believe that their losses will amount to no more than 10 million.

{{quote 'author = "' Alexey Novikov, head of the security expert center Positive Technologies (PT Expert Security Center) "'|" According to our study, often a day of downtime due to a cyber attack costs one bank or industrial company millions of rubles, and often these losses exceed the amount that companies spend on information security in general. At the same time, the cost of ready-made and replicated software on the black hacker market is relatively low and on average does not exceed $1,500. In the face of growing threats, we are confident in the need to independently assess the security of companies and minimize financial and information risks through cyber insurance.}}

Protection against AlfaStrakhovanie and Positive Technologies at the CyberLight base rate, which allows you to protect your business from a significant part of the risks associated with the loss of data or programs, theft of funds and disclosure of personal data, costs from 25 to 50 thousand rubles. The cost of the CyberBusiness tariff, which additionally insures the risks of a break in commercial activities and protection against cyber pollution, varies from 50 to 100 thousand rubles. The maximum payment for one risk is 500 thousand rubles, and for all risks - 1.5 million rubles. (CyberLight) and 2.5 million rubles. (CyberBusiness).

Also, a potential user of the service will be able to use key competencies AlfaStrakhovanie and Positive Technologies and form an individual approach to protecting their own business. Such a policy will be effective in cases of theft of intellectual property, misuse of computing resources, harm, damage to business reputation, damage to products, inaccessibility of IT systems, damage and destruction of computer and production equipment, harm to life and health, liability to third parties.

Service launch

In February 2018, AlfaStrakhovanie, realizing the importance of insurance protection against cyber operations, launched the AlfaCyber product on the Russian market. A cyber protection policy will minimize the financial and information risks of almost any business or company that will be subjected to cyber attacks in the future.

According to RIA Novosti, in 2016, 600 million cybercrimes were committed in the world, the damage from them to business amounted to $400 billion. According to a survey by the NAFI analytical center conducted in November 2017 among 500 enterprises, direct losses of Russian companies in 2017 due to cyber attacks amounted to 116 billion rubles. At the same time, 46% of small enterprises and 62% of large ones faced them. Of these, 22% of all and 39% of large enterprises suffered real financial losses.

In the modern world, many companies face data destruction, industrial espionage, disclosure of personal data, extortion, use of company resources for, spam, mining interruptions in activities due to inaccessibility or decrease in IT system performance, which leads to an outflow of customers and a decrease in revenue due to reputation damage. In addition, attacks often damage malicious ON computer and even production equipment.

The AlfaCyber insurance contract can be concluded both from all and from some types of cyber security. At the same time, the client can choose one of the standard packages or make his own, taking into account the peculiarities of the business and individual needs.

The basic package of the policy covers the risks of loss and distortion of data, programs, disclosure of personal data and includes the investigation and diagnosis of a cyber attack. The three offered packages will be Basic, Basic +, and Advanced. To any of them, it will be possible to add the risks of technical failures of IT systems and personnel errors that led to such failures, as well as damage and destruction of computer and production equipment, harm to life and health.

The cost of insurance is determined individually depending on the set of risks, the insured amount and deductible, as well as the type of activity of the insured and the results of the risk protection assessment. The insured amount starts from 5 million rubles. and can exceed 150 million rubles, and the price of the policy - from 25 thousand to 750 thousand rubles. in year or more.

"Cyber threats can come both from amateur hackers looking for ways to express themselves and from trained, well-funded adversaries. Attacks can affect a specific market sector, a number of related enterprises, or a specific company to steal trade secrets, personal data, business plans, new developments for a narrow audience, or a wide range of potential buyers. The methods of attack can be different, and the results are disappointing: loss of information, a break in commercial activities, expenses for lawyers and attracted IT specialists, fines from the regulator and the need to restore reputation. AlfaStrakhovanie assesses the risk of cyber attacks both independently and with the involvement of independent experts, and provides clients with reliable protection, "says Andrey Makarentsev, head of the financial risk insurance department at AlfaStrakhovanie.

IT trends in insurance

Main article IT trends in insurance (cyber insurance and telematics data)