Insuring Cyberinsecurity

Insurance Companies as Symbolic Regulators

AvShauhin A. Talesh

Inbunden, Engelska, 2025

745 kr

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Beskrivning

A free ebook version of this title is available through Luminos, University of California Press’s Open Access publishing program. Visit www.luminosoa.org to learn more.Despite the massive costs associated with data breaches, ransomware, viruses, and cyberattacks, most organizations remain thoroughly unprepared to safeguard consumer data. Over the past two decades, the insurance industry has begun offering cyber insurance to help organizations manage cybersecurity and privacy law compliance, while also offering risk management services as part of their insurance packages. These insurers have thus effectively evolved into de facto regulators—yet at the same time, they have failed to effectively curtail cybersecurity breaches. Drawing from interviews, observations, and extensive content analysis of the cyber insurance industry, this book reveals how cyber insurers' risk management services convey legitimacy to the public and to insureds but fall short of actually improving data security, rendering them largely symbolic. Speaking directly to broader debates on regulatory delegation to nonstate actors, Shauhin A. Talesh proposes a new institutional theory of insurance to explain how insurers shape the content and meaning of privacy law and cybersecurity compliance, offering policy recommendations for how insurers and governments can work together to improve cybersecurity and foster greater algorithmic justice.

Produktinformation

Utgivningsdatum:2025-08-19
Mått:140 x 216 x undefined mm
Format:Inbunden
Språk:Engelska
Antal sidor:276
Förlag:University of California Press
ISBN:9780520422575

Utforska kategorier

Finansiering inom Ekonomi och Ledarskap
IT-rätt och kommunikationsrätt inom Juridik
IT-säkerhet inom Data och IT

Mer om författaren

Shauhin A. Talesh is Professor of Law and Professor of Sociology and Criminology, Law and Society at the University of California, Irvine.

Innehållsförteckning

Contents Acknowledgments Part I. The Interplay Between Insurance Institutions, Law, and Cybersecurity1. Introduction2. A New Institutional Theory of Insurance Part II. Insurance Companies as Regulators3. The Influence of Technology and Big Data on Cyber Insurance4. The Effects and Implications of the Technologization of Insurance5. Cyber Insurance Risk Management: Ineffective, Symbolic Regulatory Interventions6. How Cyber Insurers and Managed Security Companies Influence the Meaning of Privacy Law Part III. Policy Reforms and Pathways Forward7. What Can Be Done? Policy Reforms and Pathways Forward for Cyber Insurers and Governments8. Symbolic Regulation and Insurer Influence on Private Organizations and Public Law NotesBibliographyIndex

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