Seguro de CIBER RIESGO PARA EMPRESAS
Estamos proponiendo una póliza de ciberseguridad que nos da soluciones cuando nos enfrentemos a
un ciberataque, que es principalmente una póliza de responsabilidad civil con garantías
complementarias de:
Para qué sirve:
– gestión de incidentes del ciber ataque
– Asesoramiento legal
– Asesoramiento Informático
– Mitigar el coste reputacional (consecuencias y opinión que pasa de positiva a negativa,
afectando a la imagen percibida, a la confianza y al prestigio.
– Lucro cesante
– Recuperación de datos
Así resolvemos:
Problemas económicos
Problemas Legales
Problemas informáticos
Problema reputacional
Problema emocional
A quien afecta el ciber riesgo:
Ya no es un riesgo que afecta a grandes corporaciones o grupos bancarios, o entes públicos,
Recientemente 24/02 Han encriptado los datos de asesorías, gestorías y otras firmas que tenían la
información en servidores distribuidos por la empresa leridana
Hace un par de días EL SEPE
y en estos momentos el centro de atención de los hacker, son las empresas más pequeñas, que son siempre las más vulnerables.
España es uno de los países que más ciber ataques tiene.
Cuál es el principal objetivo de los ciber ataques.
Proteger datos e información que las empresas tienen.
En el momento que nos conectamos a internet y tenemos datos de terceros es cuando existe el riesgo
del ciber ataque y se produce el robo de dichos datos, los cuales son vendidos o utilizados para beneficio del Hacker mediante actos delictivos, chantajes, etc.
Las empresas son responsables y garantes de los datos de los clientes que tienen en sus ficheros, (nombres, Direcciones, DNI, Nº de cuentas Bancarias, Datos de tarjetas de crédito, Datos de salud etc,
Que costes puede tener una empresa en caso de ciber ataque:
El coste medio de un ciberataque son 66.000 € teniendo en cuenta que en la mayoría de las ocasiones
los ciberataques se quedan en gestionar el incidente, comunicar a los afectados y en algún caso pagar
algún chantaje (pagos en bitcoin), pero se pueden tener daños por importes de mas cuantía, si hay
reclamaciones de terceros (cliente, proveedores), si hay sanciones administrativas, según el volumen
de la empresa y afección de daños, podrían ser 150.000, 200.000 € ó mas.
Riesgos de amenazas de un ciber ataque:
Virus que es un software que tiene por objeto alterar el funcionamiento normal del equipo.
Los troyanos , su característica es que se ocultan en la memoria del equipo
Los ransomware (software malicioso) yo diría que es la estrella de las amenazas, encriptando una información y pidiendo un rescate, esto no te garantiza en ningún caso que con el pago del rescate
vayas a conseguir desencriptar tus datos y además sigues siendo objetivo de un nuevo ataque.
El spyware lo que hace es esconderse para extraer información confidencial de nuestros equipos
El phishing, en el correo electrónico, es una técnica de engaño para conseguir las contraseñas y tener
acceso a cuentas bancarias por ejemplo.
El gusano sobre todo en empresas que tengan sistemas productivos gobernados por un equipo electrónico, lo que hacen es paralizar tu sistema de producción con el lucro cesante que eso que
supone.
Para aceptar la contratación del seguro ciber:
Se debe de cumplir con la LOPD y la LSSI si procede (
Ley de Servicios de la Sociedad de la Información
y del Comercio Electrónico)
Disponer de sistemas de seguridad informáticos en los equipos
Realizar copias de seguridad
Daños que sufren las empresas
entre otros:
– Robo de claves bancarias y sacan dinero de las cuentas
– Cambios de Ctas Corrientes y reciben los ingresos los Hacker
– Facturan a clientes y el ingreso va a las cuentas de los Hacker.
– Robo de proyectos empresariales
– Paralización de procesos productivos
– Secuestro de archivos y sistemas informáticos
– Venta de los datos de los clientes a terceros
Que garantías tiene la poliza?
– Gastos de recuperación de datos
– Gastos de Restauración de Sistema Informático
– Gastos de Descontaminación de equipos
– Gastos de Notificación de afectados por brecha de seguridad
– Gastos de notificación a la AEPD con informe forense informático
– Gastos de gestión del daño reputacional
– Asesoramiento en Ciber extorsión
– Responsabilidad Civil por daños reclamados
– Defensa jurídica
– Fianzas Civiles
– Pago de Sanciones Administrativas (por el ciber ataque)
– Lucro cesante por interrupción del negocio
Qué capital de responsabilidad civil se puede contratar:
En función de la envergadura y riesgo de la empresa, puede ser:
– 150.000 €
– 300.000 €
– 600.000 €
-1.000.000 €
Datos necesarios para cotizar y contratar la póliza ciber:
– Volumen de Facturación
– Nº de equipos informáticos
– Qué sistema de seguridad informática tienen
– Nº de empleados
– Saber si dispone de página WEB
– Saber si realiza venta Online
– Nauraleza/actividad de la empresa
– Si cumplen con la LOPD LSSI
– Qué tipo de datos de cliente manejan.
Básicos: Ficheros de Nombre, domicilio, teléfono, DNI, correos electrónicos, datos bancarios.
Medios: Ficheros de datos de seguridad social, solvencia patrimonial y crédito, currículos
Altos: Ficheros que contienen datos especialmente protegidos como los relativos a ideología, afiliación sindical y política, religión y creencias, origen racial, salud, bajas laborales.
Etc.
Para solicitar presupuesto sin compromiso:
Mi email: seguros@tagse.com
Teléfono: 974 51 97 51
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