october 28, 2014 new york, ny - advisen ltd. · 28-10-2014 · october 28, 2014 | new york, ny...

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It is with pleasure that I welcome you to the 4th Advisen Cyber Risk Insights Conference in New York. We began planning this day in earnest in mid-January, and nine months later, we’ve created an incredible event. I know that this conference will be a fantastic meeting of the minds who are guiding and shaping the Cyber Risk arena. I am pleased to see so many friends and colleagues both on the speaker roster and the registration list. On behalf of our entire Advisory Board, I offer you my best wishes for a rewarding and meaningful conference.

Chris KeeganSenior Managing Director, Cyber & Technology National Practice LeaderBeecher Carlson 2014 Conference Chair

Welcome to the New York edition of Advisen’s 2014 Cyber Risk Insights Conference. For several reasons, New York is the epicenter for cutting-edge P&C insurance solutions. We are proud to host this event, the largest of its kind for P&C professionals. For me, the content is truly king, and our faculty today is comprised not only of leading figures from carriers and brokers, but also nationally known experts in cyber terrorism, data security, computer forensics, data breach management, and all aspects of privacy and data security laws & regulations. However, given our faculty depth and our extensive audience, I expect that the networking and business meeting component today will also be a main benefit. We trust that you will leave this evening with information & connections that will empower you in your work. Enjoy your day.

David K. BradfordCo-founder and President, Research & Editorial divisionAdvisen

Welcome

ContentsSponsors ....................................... 4

Morning General Sessions ......... 6

Track 1 Sessions ........................... 8

Article .......................................... 10

Track 2 Sessions ......................... 11

Loss Insight ................................. 12

Track 3 Sessions ......................... 14

Afternoon General Sessions .... 16

Article .......................................... 18

Network Name:

AdvisenCyberRiskNetwork

Password:

#CRIC2014

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9:00 am - 9:15 am Opening RemarksBill KeoghCEO, Advisen

Chris KeeganSenior Managing Director, Cyber & Technology National Practice Leader, Beecher Carlson, 2014 Conference Chair

9:15 am - 9:45 am Keynote by Tom Ridge, first US Secretary of Homeland Security

Tom Ridge was governor of Pennsylvania until he was named Assistant to the President for Homeland Security following 9/11. He was later appointed the first Secretary of the US Department of Homeland Security. Today, Ridge is Chairman of Ridge Insurance Solutions.

Tom RidgeChairman, Ridge Insurance Solutions

9:45 am - 10:00 am Advisen Cyber Market OverviewDavid BradfordPresident, Research & Editorial division, Advisen

10:00 am - 10:15 am “…and the Survey says” sponsored by Zurich

A disclosure of results of Advisen & Zurich’s annual Risk Management Survey

Erica DavisVice President & Assistant National Manager for Specialty E&O, Zurich North America

10:15 am - 10:40 am Morning Break

Morning General Session

Save these dates in 2015!

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Stay Informed of the latest cyber insurance news, trends, & analysis

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Track ChairDavid BradfordPresident, Research & Editorial division, Advisen

10:40 am – 11:30 am The Buyer’s Perspective

A panel of senior risk managers will discuss the challenges they face in identifying and addressing the cyber risk expo-sures of their organizations. Insurance solutions will be evaluated, and panelists will share their insights into how well the insurance market is addressing their cyber risk needs.

Joe DePaulSenior Vice President, FINEX North America Cyber and E&O Team, Willis (Moderator)

David ConcaDirector, Risk Management, Univision Communications Inc.

Roc StarksSVP, Director, Corporate Insurance, Citizens Bank

Eric VorenkampOwner, Vorenkamp LLC

11:30 am – 12:15 pm Managing Cyber Exposures in a Global Economy

The internet knows no borders and even small companies may find they are subject to foreign privacy and network secu-rity laws, as well as personal and advertising injury exposures. Panelists will examine the global cyber risk landscape, and offer actionable risk management insights. Insurance coverage issues also will be discussed.

Tracie GrellaGlobal Head of Professional Liability, AIG Financial Lines(Moderator)

Hans AllnuttPartner, DAC Beachcroft

Stacey ReganDeputy Treasurer, GE

Willy StoesselHead of Cyber, Technology & Construction, Swiss Re Corporate Solutions

12:15 pm - 1:45 pm Conference Luncheon

1:45 pm – 2:30 pm The Future of Cyber Insurance Underwriting

What are the emerging risks underwriters are most concerned about? How do they envision the cyber insurance product to develop to address both an evolving risk landscape and changing buyer expectations? How will underwriting and pricing criteria change? What will differentiate the leaders from the also-rans? Will the cyber insurance market consolidate? A panel of senior underwriting managers will offer their insights into these and other relevant underwriting and market issues.

Mike BrownManaging Director, Guy Carpenter (Moderator)

Steve BoughalChief Underwriting Officer, Hartford Financial Products, The Hartford

Brad GowSenior Vice President, Professional Liability, Endurance

Paul MiskovichSenior Vice President, Global Head of Cyber, AXIS Insurance

Matt PrevostVice President, Professional Risk, ACE

2:30 pm – 3:15 pm Coverage Considerations

How well do insurance buyers understand their cyber coverage needs? Do brokers adequately understand cyber insur-ance policies? How effectively do they match exposures with coverages? Panelists will examine what coverage may be available for cyber exposures in CGL, property, crime and other common insurance policies, and how these compare to the coverages available thorough specialized cyber risk policies. They will offer practical advice for structuring an effec-tive program based on the varying exposures of different industries, and the specific needs of individual companies.

Roberta Anderson Partner, K&L Gates(Moderator)

Evan FenaroliUnderwriting Supervisor, Management & Professional Liability, Philadelphia Insurance

Tim FrancisSecond Vice President, Bond & Financial Products, Travelers

Catherine RudowVice President, Specialty Casualty, PartnerRe US

3:15 pm - 3:40 pm Afternoon Break

Track 1 • Cyber Risk Management & Insurance - Salon II

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JP Morgan Chase & Co said in a regulatory filing with the Securities and Exchange Commission that a cyber attack this summer compromised the accounts of 76 million households and seven million small businesses.

Adding this information to Advisen’s Loss Insight database, JPMorgan Chase leads a list of banks when it comes to total affected count as a result of cyber breaches.

According to Advisen Loss Insight, breaches at JPMorgan have exposed more than 80.8 million records. This does not include the data of seven million small businesses, which was also included in the summer breach.

Account holders’ names, addresses, phone numbers and email addresses were compromised in June and July but JPMorgan Chase said account numbers, PIN numbers or Social Security numbers were not stolen. No fraudulent activity has been seen, the bank reported in the October 2 filing.

Customers who used the websites Chase.com and JPMorganOnline and the apps ChaseMobile and JPMorgan Mobile were affected.

Banks are among the top companies when ranked by event count in Loss Insight. Financial services accounts for about 14.3 percent of Advisen’s total case count.

Many of the events involving financial institutions are linked to distributed-denial-of-service attacks (DDoS) by a hacking group called the Izz ad-Din al-Qassam Cyber Fighters, utilizing a botnet named Brobot.

Additionally, banks registered an event in Advisen’s database because they were involved in issuing new cards to customers following the late 2013 data breach at retailer Target.

Continued on page 18

JP Morgan puts banks in cyber spotlightBy Chad Hemenway, Managing Editor, [email protected] Twitter @CTHemenway

Bank Affected Count JPMorgan Chase & Co. 80,859,642 Citigroup Inc. 55,333,748 Wells Fargo & Company 50,821,390 TD Bank 366,970 GMAC LLC 200,802 Westpac Banking Corporation 103,446 Regions Financial Corporation 100,000 Hansabank 50,000 Barclays PLC 37,003

Korea Exchange Bank 15,000

Advisen Loss Insight: Top 20 Companies by Cyber Event Count

Company Name Case Count Google Inc. 52

Facebook, Inc. 44

Microsoft Corporation 31

Bank of America Corporation 31

JPMorgan Chase & Co. 28

Apple Inc. 26

Citigroup Inc. 23

Td Bank 20

Yahoo! Inc. 19

AT&T Inc. 18

Wal-Mart Stores, Inc. 14

United States Postal Service 14

American Express Company 13

Twitter, Inc. 12

Wells Fargo & Company 12

Best Buy Co., Inc. 12

Purdue University 11

McDonald's Corporation 11

eBay Inc. 10

Pfizer Inc. 10

This content is featured in Advisen’s Cyber Risk Network

Loss Insight: Total records exposed at banks


Track 2 • Emerging Risks & the Future of Cyber Insurance - Salon III

Track ChairGraeme NewmanDirector, CFC Underwriting

10:40 am – 11:30 am Standards and Guidelines: What they mean for Risk Managers and Underwriters

A number of organizations have published standards and guidelines for managing cyber risk, including the NIST Cybersecurity Frame-work. What do these various standards and guidelines seek to achieve? Are they useful, or do they potentially produce a false sense of security? Are they a shield against liability or yardstick for measuring alleged risk management failures? Panelists will discuss these and related risk management and liability issues.

Ben BeesonVice President, Cyber Security and Privacy, Lockton (Moderator)

John ColettiChief Underwriting Officer, Cyber & Technology, XL

Ira (Gus) HuntPresident and CEO, Hunt Technology, LLC

Shane McGeeChief Privacy Officer, FireEye, Inc.

Lisa SottoChair, Privacy and Cybersecurity Practice, Hunton & Williams LLP

11:30 am – 12:15 pm The Internet of Things: Liability at the Intersection of Digital and Physical

Objects ranging from refrigerators to airliners to eyeglasses are equipped with potentially hackable chips. As the digital and physical worlds merge, new risk management challenges arise. This session will explore the explosive growth of the “Internet of things,” and examine the liability and insurance issues it poses.

Alan BrillSenior Managing Director, Kroll(Moderator)

Dr. Rey Leclerc SveinssonVice President – Senior Cyber Risk Engineering, Swiss Re Corporate Solutions

Graeme NewmanDirector, CFC Underwriting

Rick WelshHead of Cyber Insurance, AEGIS Insurance Services, Inc.


1:45 pm – 2:30 pm Cyber Operational Risks

Data breaches are a major concern of companies, but they are only one type of many cyber risks most companies should be con-cerned about. What if an attack on a company’s networks or website disrupts its ability to conduct business? What happens if a key supplier is temporarily unable to perform because of a cyber incident? What would be the outcome of a large-scale attack on an entire business sector or a country’s critical infrastructure? This session will explore various operational risk scenarios and what companies can do to defend themselves. It also will examine insurance coverage issues associated with various operational exposures.

Rebecca BoleDirector of Editorial Strategy & Products, Advisen (Moderator)

Sandor BoysonDirector, Supply Chain Management Center & Research Professor at the Robert H. Smith School Of Business at University of Maryland College Park

John HowiePrincipal, Howie Consulting LLC

Michael PalotaySenior Vice President of Underwriting, NAS Insurance

Andy RothPartner & Chair, Global Privacy and Cybersecurity Group, Dentons

2:30 pm – 2:50 pm Modeling Cyber Risks

Can the frequency and severity of cyber events be effectively modeled? Can models estimate the various loss components of a cyber incident? This session will examine the current state of the art in modeling cyber events and discuss models currently in use for quanti-fying cyber risk and pricing cyber insurance products.

Bob ParisiManaging Director and National Cyber Practice Leader, Marsh

2:50 pm – 3:15 pm Litigation Trends

Lawsuits on the back of data breaches have generally not been successful, but a recent Florida suit, AvMed, suggests a path forward for plain-tiffs’ attorneys. Will there be an increase in cyber-related litigation? Is the Target breach, which sparked more than 100 lawsuits, a harbinger of the future? This session will explore recent trends in cyber-related litigation and offers expert insight into what to expect in the near future.

Laurie KamaikoPartner, Edwards Wildman Palmer LLP


Cyber StrataScope provides multi-dimensional information for underwriting and

actuarial leaders to make informed decisions about underwriting and pricing

cyber risk. Cyber StrataScope intersects Advisen’s industry-leading cyber

event data with time series company data to provide insight into cyber events

and their consequences.

Underwriting Benefits � Employ comprehensive frequency data to enhance risk analysis by type of

event

� Drive pricing models with affected counts

� Build predictive models for risk scoring with optional model-ready datasets and value-added services

Information-Driven Performance

� Monitor trends in the risk landscape and identify “hot spots” of emerging loss types.

� Create peer analyses tailored to industry and size characteristics

� Refine rating plans based on changes in litigation filing

Management Reporting and Communication

� Promote informed discussions through timely information on claims trends

� Support portfolio analytics with event frequency and severity inputs

� Establish quarterly risk reports & updates

Why StrataScope?

Rating Plan Development

� What should be the pricing relativities among industries?

� How should revenues affect cyber pricing?

� Which types of events more frequently lead to lawsuits?

Underwriting Early Warning Indicators � Which three industries experienced the

greatest increase and decrease in cyber event frequency?

� Which three industries experienced the greatest increase and decrease in affected records?

� What is the source of these changes in frequency and affected records?

Industry Analysis � How can I visualize the differences

among industries and their loss trends?

� Which industries have experienced cyber events with the greatest affected records?

� How does the affected record count vary by event type?

Loss Insight StrataScope — Cyberfor Insurers

Rating Plan Development

Underwriting Early Warning IndicatorsIndustry and Attachment Point Strategy

551112

5182

541511

5511

71

5239

4548&495171

5182

54

51111,000

10,000

100,000

1,000,000

10,000,000

100,000,000

0 10 20 30 40 50 60 70 80 90 100

Av

era

ge

Aff

ect

ed

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un

t (p

er

ev

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Event Frequency (per $100B Revenue)

Top Gain/Loss Industry Compared to Last Year

2014-Q2 vs. 2013-Q2

0%

20%

40%

60%

80%

100%

120%

2008 2009 2010 2011 2012 2013 2014

Event Date

Percentage of Litigated Event by Case Type

Privacy Violations Improper Collection of Digital Data Digital Asset Loss or Theft

Identity Theft/Fraudulent Use or Access Phishing, Skimming

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

2,000

2008 2009 2010 2011 2012 2013 2014

Event Date

Count of Events by Industry

92 - Public Administration 62 - Health Care and Social Assistance

6221 - General Medical and Surgical Hospitals 6113 - Colleges, Universities and Professional Schools

5221 - Depository Credit Intermediation 54 - Professional, Scientific and Technical Services

61 - Educational Services 33 - Manufacturing

51 - Information Others

About Advisen Ltd.Advisen generates, integrates, analyzes and communicates unbiased, real-time insights for the global

community of commercial insurance professionals. As a single source solution, Advisen helps the insurance

industry to more productively drive critical decisions about pricing, loss experience, underwriting, marketing,

transacting or purchasing commercial insurance. Advisen enlightens, solves, and streamlines challenges

for its clients through its three divisions. Advisen’s data, analytics and news services are game-changers for

more than 150,000 professionals.

+1.212.897.4800 | [email protected] | www.advisen.com

Copyright 2014 Advisen Ltd.

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Track 3 • Industry Spotlights - Salon IV

10:40 am - 12:15 pm Industry Spotlight: Healthcare

People demand that their healthcare information be kept private, but healthcare records are an attractive target for cyber criminals. Healthcare information is highly regulated at the federal level, but healthcare providers also should be aware of expending regulation at the state level. This session will look at trends and developments in data protection and privacy,

with a particular emphasis on state regulation. It also will focus on the unique aspects of healthcare data breach response.

OpeningKimberly HolmesVice President, Product Development, One Beacon Professional (Spotlight Chair)

State Privacy Laws & Your Business Associates: Key Considerations to Minimize Liability in the Evolving Class Action Landscape

Sheila Hagg-RickertHealthcare Risk Management Consultant

Winston KroneManaging Director, Kivu Consulting

Stuart PanenskyPartner, Traub Lieberman Straus & Shrewsberry LLP

Multistate Considerations Pre and Post BreachJeremy Henley Director of Breach Services, ID Experts


1:45 pm – 3:15 pm Industry Spotlight: Financial Institutions

Major US banks are wondering, “are we next?” Their boards increasingly need information on vulnerabilities and the potential financial impact of a breach. This session will focus on financial services firms as risk-intelligent enterprises, and how they establish programs to both remain vigilant about and more responsive to an increasingly complex and hostile

threat environment.

OpeningGeorge AllportVice President & Financial Fidelity Product Manager, Chubb (Spotlight Chair)

Financial Institutions: Developing a Risk-Aware OrganizationMary Beth BorgwingPresident, Cyber and Risk Practice, Advisen (Moderator)

Michael LivniChief Information Security Officer, Valley National Bank

David NotchDirector, Information Protection & Business Resilience, KPMG

Yonesy NunezInformation Security Leader – International, Wells Fargo

John BirdConsulting Portfolio Partner, Verizon

Dr. Aleksandr YampolskiyCEO and Founder, SecurityScorecard Inc.

Risk Mitigation and ResponseRobert DowlingProduct Manager, Cyber Risk Management Solutions, Dynetics


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3:40 pm – 4:10pm Keynote Tom FinanSenior Cybersecurity Strategist and Counsel, US Department of Homeland Security

4:10 pm - 4:50 pm Data Breach Table Top

A group of data breach response experts will participate in a realistic data breach tabletop exercise, which will provide valuable insight into how an actual data breach is handled, the roles and responsibilities of the various members of a data breach team, and the critical success factors for favorable outcomes.

Paul NikhinsonPrivacy Breach Response Services Manager, Beazley Breach Response Services (Moderator)

Alan BrillSenior Managing Director, Kroll(Moderator)

Michael BruemmerVice President, Data Breach Resolution, Experian

Bo HollandFounder & CEO, AllClear ID

John MullenManaging Director and Chair of the US Data Privacy and Network Security Group, Lewis Brisbois

4:50 pm - 5:00 pm Closing Remarks

5:00 pm - 6:00 pm Reception

Afternoon General Session

Ben Beeson Lockton

Alan Brill Kroll

Anne Corona Aon

Dan Cosgrove Swiss Re Corporate Solutions

Erica Davis Zurich

Brad Gow Endurance

Tracie Grella AIG

Chris Keegan Beecher Carlson, 2014 Conference Chair

John Mullen Lewis Brisbois

Bob Parisi Marsh 2013 Conference Chair

Bob Wice Beazley

Thank you to our Advisory Board

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The FBI in late August said it and the US Secret Service was investigating reported cyber attacks on US financial institutions, including JPMorgan Chase.

Reports said more than a dozen financial companies may have also been targeted by the same hackers who got into JPMorgan. The graphic “Cyber Breaches by Banks over Time” looks at breaches at each financial institution through the years.

The financial services industries remains relatedly consistent with all industries when it comes to categorizing cyber event types in Advisen’s database Digital data, loss or theft makes up an equal share of the total cases for financial services and all industries, followed by network security violations or disruptions.

In July US Treasury Secretary Jacob J. Lew urged financial institutions to better protect consumers and strengthen efforts against cyber thefts, disruptions, and attacks.

A recent PriceWaterhouseCoopers report on US cyber crime reported that nation-state hackers are of particular concern. Sean Joyce, a PwC principal and former FBI deputy director, said, “We are seeing increased activity from nation-state actors, which could escalate due to unrest in Syria, Iran, and Russia. These groups may target financial services and other critical infrastructure entities.” JPMorgan did not go into detail about the breach in its filing and apparently the bank has no plans to send personal notifications to customers. A spokesman said JPMorgan posted a notice on its website and mobile app. JPMorgan said it does not have to alert customers about the breach because only contact information was exposed.

Federal investigators, attorneys general from several states as well as federal prosecutors including from New York are conducting investigations. n

0

5

10

15

20

25

30

2008 2009 2010 2011 2012 2013 2014

Citigroup Inc. TD Bank Wells Fargo & CompanyJPMorgan Chase & Co. Bank of America Barclays PLCWestpac Banking Corporation HSBC Wachovia Bank

6,003 43%

3,228 23%

1,670 12%

893 6%

1,284 9%

332 3%

455 3%

All Industries

Digital Data Breach, Loss, or TheftSystem/Network Security Violation or DisruptionImproper Disposal/Distribution, Loss or TheftIdentity Theft/Fraudulent Use or AccessPrivacy ViolationsPhishing, Skimming

Total: 14,050

938 44%

406 19%

240 11%

210 10%

124 6%

106 5%

51 2%

34 1%

13 1%

Financial Institutions

Digital Data Breach, Loss, or TheftSystem/Network Security Violation or DisruptionImproper Disposal/Distribution, Loss or Theft (Printed Records)Identity Theft/Fraudulent Use or AccessPrivacy ViolationsPhishing, SkimmingOther

Total: 2,178

JP Morgan puts banks in cyber spotlight Continued from page 10

Cyber Breaches by Banks Over Time

Cyber / Identity Risks Event Type Breakdown

This content is featured in Advisen’s Cyber Risk Network

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october 28, 2014 new york, ny - advisen ltd. · 28-10-2014 · october 28, 2014 | new york, ny...

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