网络安全保险的风险与回报

随着针对公司的网络攻击不断增加，很多公司都寻求购买网络保险。这种新型保险可能为各大保险公司带来高达十亿美元的增长，但也可能导致千亿美元负债。保险公司该如何抉择？

US drugmaker Merck was hit by a massive cyber attack on June 27 last year. Manufacturing, research and sales operations around the world were all gummed up.

The after-effects of the incident lasted for months. The company lost $260m of sales last year and incurred $320m of costs for additional marketing and production.

The good news for Merck is that it will not have to pick up the full bill because of the insurance policy it had taken out before the attack. The company has already received $45m from its insurers, and Verisk PCS, an analytics group, thinks the final total could be much higher.

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