<p>Cybersecurity insurance has emerged as a crucial mechanism for protecting organizational assets in the contemporary digital landscape. Prior to contractual agreements, policyholders should ensure the implementation of robust security layers within their organizations. Insurance providers typi- cally evaluate prospective policyholders through application forms containing questions on various cybersecurity aspects. However, a significant gap exists, as most of these questions do not always ex- plicitly comprehensively cover all relevant cybersecurity domains, particularly when benchmarked against international and local cybersecurity standards. This paper presents an in-depth analysis of cybersecurity insurance companies in the United Arab Emirates (UAE), examining four key fac- tors: question categorization, alignment with two international/national cybersecurity standards (ISO 27001 and NIST CSF), and adherence to the UAE cybersecurity standard. Four representative com- panies and their application forms were selected for this analysis. Our findings indicate that while these companies extensively cover certain cybersecurity aspects through multiple questions, some control areas are less explicitly represented in the analyzed forms. This paper provides a comprehen- sive analysis and discussion of various cyberattacks and corresponding defense mechanisms, along- side actionable recommendations for improving questionnaire coverage and alignment to enhance their documentation and assessment practices.</p>

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Do cybersecurity insurance applications in the UAE align with international and national security standards?

  • Moatsum Alawida,
  • Iman Akour,
  • Mohammad Alauthmn,
  • Abid Mehmood,
  • Nour Mohamed

摘要

Cybersecurity insurance has emerged as a crucial mechanism for protecting organizational assets in the contemporary digital landscape. Prior to contractual agreements, policyholders should ensure the implementation of robust security layers within their organizations. Insurance providers typi- cally evaluate prospective policyholders through application forms containing questions on various cybersecurity aspects. However, a significant gap exists, as most of these questions do not always ex- plicitly comprehensively cover all relevant cybersecurity domains, particularly when benchmarked against international and local cybersecurity standards. This paper presents an in-depth analysis of cybersecurity insurance companies in the United Arab Emirates (UAE), examining four key fac- tors: question categorization, alignment with two international/national cybersecurity standards (ISO 27001 and NIST CSF), and adherence to the UAE cybersecurity standard. Four representative com- panies and their application forms were selected for this analysis. Our findings indicate that while these companies extensively cover certain cybersecurity aspects through multiple questions, some control areas are less explicitly represented in the analyzed forms. This paper provides a comprehen- sive analysis and discussion of various cyberattacks and corresponding defense mechanisms, along- side actionable recommendations for improving questionnaire coverage and alignment to enhance their documentation and assessment practices.