El Contrato de Seguro Cibernético

Abstract

The article analyzes the situations presented today with technological developments and their relationship with the creation of new risks that in insurance matters they entail; risks that today are mostly considered crimes such as cybercrime, spoofing websites to capture personal data and phishing (social engineering technique to obtain confidential information). This has given rise to the emergence of the cyber insurance contract as a solution to this problem, so much so that for Amparo Zabala, responsible for the cyber risk product at Zurich Empresas, cyber insurance combines civil liability with their own damage coverage and evolves with each new risk (Zabala, 2015). However, it is not possible to establish that in Colombia there is an express regulation on Cyber Risk (Cyber Risk), which is why it becomes convenient to know what these cyber risk factors would be. Some of the most relevant ideas in this regard revolve around the protection of contamination or destruction of data, the D.O.S (Denial of services), and the responsibility for the disclosure of personal data for example customers, suppliers or workers.