Insurance

Cyber ​​insurance: the 2022 claims of the presidential candidates

Can “cyber” insurance be a solution for organizations faced with the multiplication of cyberattacks? The 2022 presidential candidates are divided.

Faced with the multiplication of cyberattacks, in particular attacks by ransomware (ransomware), the orientation and programming bill of the Ministry of the Interior (LOPMI) does not prohibit the compensation of ransoms by insurers. But makes it conditional on the filing of a complaint no later than 48 hours after payment. This would allow insurers to continue to compensate the payment of ransoms by companies that are victims of cyber attacks.

Even before the announcement of the bill, the International Cybersecurity Forum (FIC) launched the debate among the candidates for the Elysée: “can ‘cyber’ insurance be one of the solutions for organizations? ? » faced with the proliferation of cyberattacks?

9 of the 12 candidates* for the 2022 presidential election answered the questionnaire. Among them, 7 expressed themselves “precisely” on the subject, according to the Forum. Views may differ.

The positions returned by the FIC testify to this:

Anne Hidalgo (Socialist Party) is one of the first personalities to have spoken on the subject. “We must prohibit the insurability of ransomware to prevent computer attacks from being paid for in cryptocurrency, without justice being able to prosecute the aggressors. All of the players who may be affected today have not taken sufficient protective measures, we must go through a European regulation, and through an express legislative provision in the insurance code, ”said the candidate.

For his part, Jean-Luc Mélenchon (La France insoumise), declared: “we are not in favor a priori of “cyber” insurance: we believe that existing insurance policies should integrate the paralysis of a VSE /SME via the cyberattack, which is part of the security risks in the same way as the others”.

Yannick Jadot (Europe Écologie-Les Verts), on the other hand, sees cyber insurance as a potential solution. “Cyber ​​insurance can be a solution, but the law must ensure sufficient coverage of damage and an accessible price for individuals and businesses,” he warned.

Other candidates, on the left as well as on the right of the political spectrum, have clarified their point of view.

Cyber ​​Insurance and Sovereignty

Éric Zemmour (Reconquête) said: “Cyber ​​insurance seems essential to me. One of the current difficulties is the sharing of information following cyberattacks, both to improve the protection of our businesses and our administrations and to quantify the cyber risk. The role of the State will therefore be to promote the sharing of information between private and public players in the sector on attacks in order to better anticipate the threat and to quantify the cyber risk, the only way to calmly consider cyber insurance for small and medium enterprises. »

Also, for Nicolas Dupont-Aignan (Debout la France), “’cyber’ insurance can be a solution, but it will not be enough without the sovereignty of our data. We will have to beef up our “digital army” by promoting the training of engineers specializing in cybercrime and capable of countering any cyber-attack. It is about the protection of our health systems, our banking services and our national security, ”explained the candidate.

For Fabien Roussel (Communist Party), finally, “the insurance principle should indicate that there is no possible insurance if we do not seek to reduce cybercrime […]. The quality of the training of agents, employees, professionals, will constitute the first and best defense against attempts to hack SMEs, hospitals or communities. It is often carelessness, through ignorance, that opens the door to cybercriminals. »

*Nathalie Arthaud (Worker’s Struggle), Marine Le Pen (National Rally) and Valérie Pécresse (Les Républicains), the first three personalities to have answered the FIC questionnaire, did not express themselves precisely on the subject, indicated the Forum. The current President of the Republic, Emmanuel Macron (La République en Marche), as well as Philippe Poutou (New Anti-Capitalist Party) and Jean Lassalle (Résistons), have not sent their respective contributions.

(photo credit © Shutterstock)

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