Cyber Insurance and the Ransomware Challenge¶
Nurse, J. R. C. (2021). Cyber Insurance and the Ransomware Challenge.
Cited by¶
1 citation across 1 artifact.
Each citation links to the sentence it supports in the citing article.
Primes¶
- Compellence
- The prime's analysis of why compellence is hard transfers directly to the public-policy finding that visible ransom payments encourage future attacks — because compliance is publicly observable and reputationally legible — while insurer-mediated payments, which supply a kind of visibility-reducing exit, change the dynamics.
This sourceExamines how cyber insurance and insurer-mediated negotiation influence ransomware payment dynamics; finds the 'insurance fuels attacks' narrative overstated while noting that exfiltrated insurance policies are used as negotiation leverage and that unresisted demands tend to escalate. (Resolves needs-source-912 for the insurer-mediation claim; NOTE the prose's strong claim that insurer-mediated payments 'change the dynamics' / do not encourage attacks is only partially supported — see flag.)
Supported in partVerified against the work's full text
RUSI supports only the insurer-mediation half: insurance shapes ransom negotiation and payment dynamics, but the paper calls the 'insurance fuels attacks' framing overstated and never argues that visible payments encourage future attacks.
“In reality, cyber insurance’s influence on victim decision-making is considerably more nuanced than the public debate has captured so far. While there is evidence that cyber insurance policies exfiltrated during attacks are used as leverage in negotiations and to set higher ransom demands, the conclusion that ransomware operators are deliberately targeting organisations with insurance has been overstated.”
- The prime's analysis of why compellence is hard transfers directly to the public-policy finding that visible ransom payments encourage future attacks — because compliance is publicly observable and reputationally legible — while insurer-mediated payments, which supply a kind of visibility-reducing exit, change the dynamics.
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