¿Es posible transferir riesgos cibernéticos?
Jurisdiction | Chile |
Law Firm | Garnham Abogados |
Published date | 20 October 2020 |
Recientemente se han hecho públicos ataques informáticos a importantes bancos e instituciones del Estado, que han visto afectados sus operaciones y por ende, a millones de personas.
Por Rodrigo Levy, Senior Consultant Garnham Abogados
Diariamente, las empresas, instituciones del Estado y también las personas están expuestas a ataques informáticos, los que se han multiplicado durante la pandemia debido a las vulnerabilidades asociadas al teletrabajo.
Hay varias formas en que se llevan a cabo dichos ataques, pero las más comunes y peligrosas son el robo de información y el ramsomware, mediante el cual el atacante solicita una cantidad de dinero (rescate) para restablecer la operatividad de la empresa o, del (los) computador (es) personal (es). También han existido casos en que los procesos industriales se han visto afectados por virus externos.
Desde hace algunos años, las compañías de seguros han incorporado a sus pólizas de Todo Riesgo coberturas parciales de Ciber-riesgo, tales como daños físicos originados por fallas informáticas, y los costos de recuperación de bases de datos y/o de servidores como producto de siniestros informáticos.
Otras compañías crearon pólizas específicas (stand alone) que cubren en mayor o menor grado los riesgos informáticos, como por ejemplo a nivel local existe la “Póliza de cobertura Cibernética, datos y privacidad”...
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