Ukukhuselwa kwiNethiwekhi kunye neNgcaciso yeDatha
Ngubani Oyifunayo?
I-couber yokubambisa inzuzo inokunceda nayiphina inkampani esebenzisa izixhobo zecomputer ukuqhuba imisebenzi yayo.
Unokufuna le ngxelo xa ukwenza naluphi na oku kulandelayo:
- Ukuthetha nabathengi nge-imeyile, imiyalezo yombhalo okanye imidiya yoluntu
- Thumela okanye ufumane amaxwebhu ngekhompyutha
- Bhengeza inkampani yakho nge-media media, njenge-website okanye imidiya yoluntu
- Gcina idatha yenkampani yakho kwi-network network. Imizekelo yedatha ibandakanya ukuhlaziywa kweevenkile, iirekhodi zengxelo, amaxwebhu eerhafu kunye neemfihlo zorhwebo.
- Gcina idatha eyabanye (njengabasebenzi okanye abathengi) kwi-network network. Imizekelo ibandakanya amagama amakhasimende kunye needesi, iinombolo zamakhadi zekrediti, kunye nemihla yokuzalwa yabasebenzi kunye namanani okhuseleko loluntu.
- Thengisa iimveliso okanye iinkonzo ngewebsite yenkampani
Le mi sebenzi inokuvumela ukuba inkampani yakho isebenze ngokufanelekileyo, kodwa ivelise ingozi. Idata oyilondolozayo kwinkqubo yakho yekhompyutheni ingahle iphulwe, iholele ekugwetyweni kwe-firm firm. Idatha nayo ingonakaliswe ngenxa yegciwane, ukuhlaselwa kwe-hacker okanye esinye isizathu.
Ukubuyiselwa okanye ukulungiswa kwedatha kunokuba kubi kakhulu.
Ukukhutshwa kwamabango Angaqinisekisiwe ngumgaqo weCGL
I-inshorensi ye-Cyber yemboleko iquka amacala okusuka kwizenzakalo ezifana nokuphulwa kwedatha nokukhanyela ukuhlaselwa kweenkonzo. Ezi zigwebo azinakunyulwa ngumgaqo-mgangatho oqhelekileyo wezoqoqosho (CGL).
Okokuqala, ukulimala kwedatha yekhompyutheni ayifanelekanga njengomonakalo wepropati phantsi komgaqo-nkqubo weCGL.
Oku kungenxa yokuba idatha ye-elektroniki ayiqwalaselwe njengempahla ebonakalayo. Okwesibini, ezininzi iinkqubo ze-CGL ziqulethe ukukhishwa kwedatha ethile. Oku kubandakanywa kukuphelisa ukukhutshwa kwamabango asekelwe kwilahleko, umonakalo, urhwaphilizo okanye ukungakwazi ukusebenzisa idatha.
Ngokomzekelo, cinga ukuba inkampani yakho inikeza iinkonzo zokugcinwa kweencwadi. Intsholongwane ihlasela inethiwekhi yakho yomnatha kwaye inonakalise idatha yenkampani. Umxhasi akakwazi ukufikelela kumarekhodi afuna ukufumana mboleko. Uyakutyala ngenxa yomonakalo kwedatha yakhe. I-suit ayiyi kuhlanganiswa ngumgaqo wakho we-CGL. Ukulimala kwedatha yomthengi wakho akufanelekanga njengomonakalo wepropati.
Iipolisi zeCyber Liability
Iimigaqo-nkqubo zokuzibophelela ze-Cyber zikhusela amashishini ekuchasene namacala athengiswa ngabathengi kunye namanye amaqela ngenxa yokhuseleko okanye ukuphulwa kwangasese. Iipolisi zihluka ngokubanzi kwi-insurer enye ukuya kulandelayo. Abanye baquka i- inshorensi yemfanelo yomsakazo , ehlanganisa amabango athetha ukunyanzela okanye ukunyundela , ukuhlasela kwangasese, kunye namanye amathandabuzo . Cishe zonke iipolisi zokunyanzeliswa kwe-cyber ziyasebenza kwiimfuno ezenziwe ngamabango .
Ukongeza kwimbopheleleko yenkampani yesithathu, ezininzi iinkqubo ze-cyber zibandakanya iindleko zeqela lokuqala. Nazi ezinye izibonelo:
- I-Income yeNtengiso kunye neNdleko ezongezelelweyo Ukufakela ingeniso olahlekelwayo kunye neendleko ozenzayo ngenxa yokupheliswa okupheleleyo okanye okukodwa kwenkqubo yakho yekhompyutheni ngenxa yokuhlaselwa kwe-hacker, intsholongwane okanye nayiphi enye ingozi ye-insured. Ilahleko ezinjalo azifihla phantsi kwerhafu yoshishino kunye ne-inshorensi eyongeziweyo ekhoyo phantsi komgaqo-nkqubo wepropati .
- Ukulahlekelwa kweDatha Kukhupha iindleko zokubuyisela okanye ukuvuselela idatha elahlekileyo okanye eyonakaliswe ngenxa yesifo, isifo se-hacker okanye esinye isizathu
- Iindleko ezidibeneyo ziquka iindleko ozibangayo ngenxa yokuphulwa kwedatha . Imizekelo yindleko zokuxelela abathengi abachaphazelekayo njengoko kufuneka ngokomthetho, kunye neendleko zokubonelela ngetyala kwiiklayenti ezichaphazelekayo.
- I-Cyber Extortion Ikhupha iindleko ezinxulumene nokutshutshiswa, ukuquka i-ransomware . Umzekelo, umphangi ufaka i-ransomware inkqubo yakho yekhompyutha. Umtshitshisi uyala ukukhupha idatha yakho ngaphandle kokuba uhlawule imali yakhe.
- Ulawulo lweNkcenkceshelo lujonganisa neendleko zokuqasha ubudlelwane boluntu, oomthetho, kunye nabacebisi be-forensic consultants
Abanye abaqinisekisayo baye baqulunqa imigaqo-nkqubo yeemfuno ze-cyber ezithile kwiintlobo ezithile zamashishini, ezifana neenkampani zeteknoloji okanye imibutho yokunakekelwa kwempilo.
Abaninzi bango-inshurensi banikela ngokukhawuleza kwi-"la carte" ukuze abathengi badinga ukuthenga kuphela abo bafuna.
Indlela Yokufumana Umthombo
I- arhente okanye umthengisi wakho unokukunceda ufumane i-inshorensi yemfanelo ye-cyber ngokuthumela isicelo sakho egameni lakho kwi-insurer. Isicelo sinokubuza imibuzo enenkcukacha malunga nenkqubo yakho yekhompyutheni kunye nezokhuseleko. Nalu uhlobo lweenkcukacha zomshuwalense ngokuqhelekileyo ezifunayo:
- I-firewall Ngaba inkqubo yakho ine-firewall?
- I-Virus Scans Ngaba uhlola i-imeyile, idatha ekhutshweyo okanye iifowuni eziphathekayo kwii-virus?
- Umntu onoxanduva Ngubani ojongene nokhuseleko lomnatha?
- Umgaqo-nkqubo okhuselekile Unayo umgaqo-nkqubo wokuphepha obhaliweyo?
- Iprojekthi yoKhuselo Ngaba inkqubo yakho ikhuselwe yesoftware yesilwanyana? Ngaba usebenzisa isofthiwe yokufunyanwa kwe-intrusion? Ngaba uhlaziya rhoqo isofthiwe yakho?
- Ukufikelela kwi-Remote Ngaba abasebenzi, abathengi okanye abanye bafikelela kwinkqubo yakho ngokude? Ukuba kunjalo, yintoni inkqubo ekhoyo ukuqinisekisa abasebenzisi?
- Idatha enomdla Yiziphi iindidi zeenkcukacha ezithintekayo (iinombolo zokhuseleko loluntu, ulwazi lwekhadi lesikweletu njl.) Ugcina kwi computer yakho? Ngaba idatha idityaniswa?
- Ukufikelela njani Ulawula ukufikelela kwiinkcukacha ezibuhlungu?
- Ulawulo lokuLawulwa kweDatha Ngaba uvavanya rhoqo amanyathelo akho okulawula idatha?
- Ukugcinwa kwedatha kunye nokugcinwa Ngaba uyayiphakamisa idatha yakho yemihla ngemihla? Ziziphi iilondolozi ezigcinwe kuyo?
- Ukuchithwa kwempahla Ngaba uyaphumelela nayiphi na imisebenzi yekhompyutha (njengokugcina idatha) kwabanye?
- Ukubuyiswa Ngaba unesicwangciso sempendulo sokuphulwa kwedatha oya kulandelwa xa kwenzeka isiganeko esinxulumene nekhompyutha?
Ukuba unomdla wokuthenga i-cyber accountability cover, qhagamshelana ne- arhente okanye umthengisi wakho .
Inqaku elihlelwe nguMarianne Bonner