Cyber-Resilience-Act vs. NIS2 vs. DORA: Welches Gesetz gilt wann?
Vergleich der drei wichtigsten EU-Cyberregulierungen und was jedes fuer die Cyberversicherung bedeutet.
Cyber-Resilience-Act vs. NIS2 vs. DORA: Welches Gesetz gilt wann?.
Zusammenfassung
European cybersecurity regulation has entered a new era. In 2026, three overlapping directives now govern how organizations handle digital risk: the Cyber Resilience Act (CRA), the NIS2 Directive, and the Digital Operational Resilience Act (DORA). For cyber insurance underwriters, the question is no longer whether your insured is regulated — it’s which combination of regulations applies, what they require, and how that changes the risk profile you’re pricing.
Kernpunkte
- KI und regulative Anforderungen verändern das Cyber-Underwriting grundlegend
- NIS2 und DORA schaffen neue Pflichten und neue Deckungsanforderungen
- Underwriter müssen Risikomodelle anpassen und neue Schadenszenarien berücksichtigen
Praktische Schritte
- Risikomodelle aktualisieren
- Deckungskonzepte überprüfen
- Kunden proaktiv beraten
Weitere Analyse: Cyber-Risikorechner | FAIR-Report | NIS2-Checker
Michael Guiao Michael Guiao gründete Resiliently AI und schreibt Resiliently. Er hat CISM, CCSP, CISA und DPO-Zertifizierungen — aber sie verfallen lassen, denn im Zeitalter von KI ist Wissen billig. Worauf es ankommt, ist Urteilskraft — und die kommt aus acht Jahren Praxis bei Zurich, Sompo, AXA und PwC.
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