التأمين الإلكتروني ضد المخاطر السيبرانية: المشكلات القانونية والحلول المقترحة – دراسة في القانون القطري والمقارن
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منشور
مار 15, 2022
Copyright Information
هذا العمل مرخص بموجب Creative Commons Attribution-NonCommercial 4.0 International License.
الملخص
تواجه الشركات التجارية اليوم تحديات كبيرة في الحفاظ على سياسة الخصوصية، وحماية البيانات، وأمن المعلومات. وإدراكًا لهذه التهديدات؛ تدخلت شركات التأمين، وقدمت منتجًا جديدًا نسبيًا، وهو التأمين السيبراني، أو ما يُطلق عليه بالتأمين الإلكتروني، ويمثل هذا التأمين استجابة لمطالب الشركات؛ بالدفاع عنها، والتخفيف من الأضرار الناتجة عن الهجمات الإلكترونية لإحداث خرق البيانات وانتهاك الخصوصية. يهدف هذا البحث إلى دراسة المشكلات القانونية للتأمين الإلكتروني ضد المخاطر السيبرانية، في الوقت الذي تزداد فيه الهجمات الإلكترونية، ويزيد بالمقابل الطلب على التأمين الإلكتروني في ظل الظروف الاستثنائية لجائحة (كوفيد-19). وتشير النتائج إلى ضرورة تنظيم الإطار القانوني لعقد التأمين الإلكتروني في التشريعات الوطنية.
المقاييس
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الكلمات المفتاحية
التأمين الإلكترونيالمخاطر السيبرانيةالهجمات الإلكترونيةجائحة (كوفيد–19)انتهاك الخصوصيةالمسؤولية السيبرانية
المراجع
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*********************************************************************************************
ʻaly, jāƅr mḥjwƅ. Alnẓryah alʻiāmah lililtzām, aljzā alawl mṣādr aliltzām fi alqānwn alqaṭary (in Arabic), jāmʿiat qaṭar, sanat 2006.
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*********************************************************************************************
علي، جابر محجوب. النظرية العامة للالتزام، الجزء الأول مصادر الالتزام في القانون القطري، جامعة قطر، 2016.
نشرة الاتحاد المصري للتأمين، ع 67، 2019.
«هل أنت جاهز لمواجهة المخاطر السيبرانية؟»، 2018، على الرابط التالي:
https://www.ifegypt.org/NewsDetails.aspx?Page_ID=1244&PageDetailID=1324 (accessed 14/3/2021).
Biener, Christian, Martin Eling & Jan Hendrik Wirfs. Insurability of Cyber Risk: An Empirical Analysis, Article in Geneva Papers on Risk and Insurance - Issues and Practice · June 2014 DOI: 10.1057/gpp.2014.19. Retrieved on 14/3/2021, from https://www.researchgate.net/publication/265727415_Insurability_of_Cyber_Risk_An_Empirical_Analysis.
Corbett, Molly. Ransomware, COVID-19 and Cyber Insurance - The Big Disconnect, December 09, 2020, Region: North America. Retrieved on 14/3/2021, from https://www.genre.com/knowledge/blog/ransomware-covid-19-and-cyber-insurance-the-big-disconnect-en.html
Chawla, Ajay & Nappo, Stephane. Cybersecurity Insurance Coverage: Coronavirus Age, 2018.
COVID-19 Crisis May Warrant Changes to Your Cyber Insurance Coverage, July 2020, article. Retrieved on 14/3/2021 from: https://www.jonesday.com/en/insights/2020/07/covid19-crisis-may-warrant-changes-to-your-cyber-insurance-coverage.
Cyber Insurance: Risks and Trends, Categories, Cybercrime, Publications April 2020. Retrieved on 14/3/2021, from: https://bsabh.com/category/publications-2.
Cyber Insurance, Retrieved on 14/3/2021, from https://www2.deloitte.com/us/en/insights/focus/human-capital-trends.htm.
Cyber Risk for Insurers – Challenges and Opportunities, Luxembourg: Publications Office of the European Union, 2019. © EIOPA, 2019 Reproduction is authorised provided the source is acknowledged.
Eling, Martin. Werner Schnell, edited by Fabian Sommerrock, Ten Key Questions on Cyber Risk and Cyber Risk Insurance, The Geneva Association, November 2016, pp (32-37). Published by The Geneva Association — ‘International Association for the Study of Insurance Economics’, Zurich.
Hadwin, Steven. Norton Rose Fulbright LLP and Jamie Monck-Mason, Willis Towers Watson, Cyber Insurance: An Overview, Practical Law, 2020, Uk.
Jacques de Werra / Yaniv Benhamou, Cyberassurance: instrument utile pour la cybersécurité des entreprises ?, in : Jusletter 24 août 2020 ISSN 1424-7410, jusletter. Analyse juridique et recommandations des mesures étatiques concernant les cyberassurances visant à protéger les entreprises (PME), Catégories d’articles : Articles scientifiques Domaines juridiques : Informatique et droit; Droit des assurances privies.
Keevy, Justin. "COVID-19: Implications for Cyber Coverage," Retrieved on 14/3/2021, from https://www.marsh.com/za/insights/research-briefings/covid-19-implications-cyber-media-tech-errors-omissions.html.
LinkedIn Strikes $1.25M Settlement in Data Breach Action, Retrieved on 14/3/2021, from https://www.law360.com/articles/568135/linkedin-strikes-1-25m-settlement-in-data-breach-actio,
Munich Re worldwide, Retrieved on 14/3/2021, from https://www.munichre.com/en.html.
Nieuwesteeg, Bernold, Louis Visscher & Bob de Waard. The Law & Economics Of Cyber Insurance Contracts: A Case Study, ediss.sub.hamburg, 2018. Retrieved on 14/3/2021, from https://ediss.sub.uni-hamburg.de/handle/ediss/8189.
Nieuwesteeg, Bernold, Louis Visscher & Bob de Waard. The Law and Economics of Cyber Insurance Contracts: A Case Study, European Review of Private Law, Volume 26, Issue 3 (2018).
Palsson, Kjartan, Steinn Gudmundsson & Sachin Shetty, "Analysis of the impact of cyber events for cyber insurance," Published online: 4/6/2020 © The Geneva Association 2020.
Regulation (Eu) 2016/679 of The European Parliament And Of The Council Of 27 April 2016 On The Protection Of Natural Persons With Regard To The Processing Of Personal Data And On The Free Movement Of Such Data, And Repealing Directive 95/46/Ec.
Studer, Evelyne & Jacques De Werra, "Regulating Cybersecurity What Civil Liability In Case Of Cyber-Attacks?" 19/8/2017.
Talesh, Shauhin A. Symposium: Insurance Companies As Corporate Regulators: The Good, The Bad, And the Ugly, 66 Depaul L. Rev. 463, winter, 2017.
The Council of Economic Advisers February 2018, Retrieved on 14/3/2021, from https://www.whitehouse.gov/wp-content/uploads/2018/03/The-Cost-of-Malicious-Cyber-Activity-to-the-U.S.-Economy.pdf.
The Federal Reserve Bank Of Chicago, Essays On Issues, 2019 Number 426. Retrieved on 14/3/2021, from https://doi.org/10.21033/cfl-2019-426
Tom, Baker. "Back to the Future of Cyber Insurance" (2019). Faculty Scholarship at Penn Law. 2184. Retrieved on 14/3/2021, from https://scholarship.law.upenn.edu/faculty_scholarship/2184.
What Does Cyber Mean? Retrieved on 18/5/2021, from https://www.cyberdefinitions.com/definition_of_cyber.html.
*********************************************************************************************
ʻaly, jāƅr mḥjwƅ. Alnẓryah alʻiāmah lililtzām, aljzā alawl mṣādr aliltzām fi alqānwn alqaṭary (in Arabic), jāmʿiat qaṭar, sanat 2006.
"Hāl anta jāhz lmwājhat a1mkhātr a1sybrānīyah?" (in Arabic), 2018. Retrieved on 14/3/2021, from https://www.ifegypt.org/NewsDetails.aspx?Page_ID=1244&PageDetailID=1324.
Nashrat alitḥ ādal-miṣrī liltʼamyn (in Arabic), ʿadad usbwʿiy rqm 67, snat 2019.
*********************************************************************************************
علي، جابر محجوب. النظرية العامة للالتزام، الجزء الأول مصادر الالتزام في القانون القطري، جامعة قطر، 2016.
نشرة الاتحاد المصري للتأمين، ع 67، 2019.
«هل أنت جاهز لمواجهة المخاطر السيبرانية؟»، 2018، على الرابط التالي:
https://www.ifegypt.org/NewsDetails.aspx?Page_ID=1244&PageDetailID=1324 (accessed 14/3/2021).
كيفية الاقتباس
إسماعيل م. س. . (2022). التأمين الإلكتروني ضد المخاطر السيبرانية: المشكلات القانونية والحلول المقترحة – دراسة في القانون القطري والمقارن. المجلة الدولية للقانون, 10(3). https://doi.org/10.29117/irl.2021.0195
إصدار
القسم
الأبحاث باللغة العربية