Research Paper On Insurance

Research Paper On Insurance-17
The use of insurance should not only include the transfer of cyber risk but also provide incentives for insured enterprises to invest in cyber self-protection.

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has a long tradition of publishing special issues on emerging topics in the insurance industry.

Recent topics include extreme events and climate risk, microinsurance and longevity.

It is not surprising that the number of submissions and accepted papers for this special issue was low compared to other special issues of .

Although cyber risk—or information security in general—is a classic topic in IT research, only relatively few researchers are currently analysing this topic from a business or an economics perspective.

The goal of this special issue is not only to present some interesting articles on one of the timeliest topics in insurance research and practice but also to stimulate future research on cyber risk and cyber risk insurance.

This editorial summarises the papers included in this special issue and highlights some of the potential avenues for future research.There have also been several special issues devoted to the fields of pensions, health, and regulation.Currently, the growing economic and social importance of cyber risk is seen in the media on a daily basis.The findings are relevant for risk managers, policymakers and regulators who need to develop sound policies for the treatment of this new and dynamic risk category.For academic readers, the special issue presents mainly empirical results, which reach beyond the first empirical papers for this novel application area of risk management.Three articles look at cyber risk management in general and one considers cyber risk insurance in detail.One of the four articles focuses on banking (Ashby (2018).Understanding the properties and nature of cyber risk is vital for the provision of cyber insurance and the estimation of risk capital.The papers in this special issue could make a contribution to this understanding by offering insights for cyber risk management and the insurability of cyber risks.The final article, “Perceptions of Corporate Cyber Risks and Insurance Decision-Making” by de Smidt and Botzen (2018), analyses professional decision makers’ perceptions of cyber risks with a special emphasis on behavioural factors.The authors document that the availability heuristic, threshold level of concern, degree of worry and trust in one’s own organisational capabilities all have a significant influence on the perceived probability and impact of cyberattacks.


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