Der Resilience-Stack: Cyber-Versicherungs-Risikoframework

The Resilience Stack™: A 5-Layer Framework for Cyber Insurance Risk Assessment

Zusammenfassung

Introducing the Resilience Stack™ — RESILIENTLY’s proprietary framework for evaluating cyber risk across five layers: threat landscape, exposure surface, regulatory posture, financial impact, and insurance readiness.

The cyber insurance industry has a measurement problem. Underwriters price risk using security ratings that condense an organization’s entire cyber posture into a single letter grade. Compliance teams check boxes against regulatory requirements without connecting those requirements to financial exposure. Brokers submit applications that tell underwriters what coverage the client wants, but not why they need it or what happens if they don’t get it.Nothing connects threat intelligence to insurance decisions. Nothing traces a line from “there’s a ransomware campaign exploiting VPNs in this sector” to “this is the specific coverage gap it creates” to “here’s the financial impact in euros.”

Kernpunkte

• Die Cyber-Bedrohungslandschaft entwickelt sich rasant weiter
• KI-verstärkte Angriffe verändern das Risiko-Profil
• Underwriter und Makler müssen ihre Ansätze anpassen
• NIS2-Compliance wird zum Standard-Kriterium

Praktische Schritte

1. Aktuelle Bedrohungsage verstehen
2. Risikomodelle aktualisieren
3. Deckungskonzepte überprüfen
4. Kunden proaktiv beraten

Weitere Tools: Cyber-Risikorechner | FAIR-Report | NIS2-Checker | Security Scan