{"id":3600,"date":"2024-08-20T10:04:44","date_gmt":"2024-08-20T10:04:44","guid":{"rendered":"https:\/\/detralytics.com\/?p=3600"},"modified":"2026-08-21T13:31:10","modified_gmt":"2026-08-21T13:31:10","slug":"cloud-failure-and-cyber-insurance","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publication\/cloud-failure-and-cyber-insurance\/","title":{"rendered":"Cloud failure and cyber insurance: calibration of stress scenarios and diversification"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3600\" class=\"elementor elementor-3600\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80992e3 e-flex e-con-boxed e-con e-parent\" data-id=\"80992e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div 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class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">DetraNote 2024-3<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87f3931 e-flex e-con-boxed e-con e-parent\" data-id=\"87f3931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9aa7e1d e-con-full e-flex e-con e-child\" data-id=\"9aa7e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f934f elementor-widget elementor-widget-image\" data-id=\"67f934f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DetraNote-2024-3_Cloud-failure-and-Cyber-insurance.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"764\" height=\"1080\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DETRAnote_EN_2024-3-Cover-764x1080.jpg\" class=\"elementor-animation-grow attachment-medium size-medium wp-image-3725\" alt=\"Detra Note Cloud Failure and Cyber Insurance\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DETRAnote_EN_2024-3-Cover-764x1080.jpg 764w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DETRAnote_EN_2024-3-Cover-768x1086.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DETRAnote_EN_2024-3-Cover-1086x1536.jpg 1086w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DETRAnote_EN_2024-3-Cover.jpg 1240w\" sizes=\"(max-width: 764px) 100vw, 764px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420ffe4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"420ffe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/DetraNote-2024-3_Cloud-failure-and-Cyber-insurance.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">T\u00e9l\u00e9charger<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e62cc6 e-con-full e-flex e-con e-child\" data-id=\"2e62cc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5d00b elementor-widget elementor-widget-heading\" data-id=\"fc5d00b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e1dc7 elementor-widget elementor-widget-text-editor\" data-id=\"f1e1dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The expansion of the cyber insurance market is constantly under the threat of an accumulation event that would simultaneously affect a large number of policyholders. Very few experiences exist on such catastrophes, apart from worldwide cyber attacks like Wannacry and NotPetya in 2017 (in a context where cyber insurance coverage was lower).<\/p><p>Nevertheless, the very nature of cyber risk makes the occurrence of such events plausible in the future. There is therefore a need for stress-testing in order to be sure that a portfolio can resist to such a crisis.<\/p><p>In this perspective, the EIOPA recently published methodological guidelines specific to cyber. One of the most concerning scenarios is the potential vulnerability of a cloud outage catastrophe, that is the failure of a cloud provider whose solution is shared by a significant part of the portfolio.<\/p><p>In the present work, we propose a way to model and calibrate such kind of cloud outage scenario. We also provide a way to measure the level of diversification of a cyber insurance portfolio, and how this diversification may protect against such events. A by-product of our methodology is to provide guidelines to underwriters to help reducing the vulnerability of a portfolio to these cloud outage scenarios.<\/p><p><strong><span style=\"color: #097566;\">Mots-cl\u00e9s : <\/span><\/strong>Cyber insurance, stress scenarios, cloud outage, portfolio optimization.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2952de9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2952de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Secteur : <\/b>Assurance<\/p><p><b><\/b><b>Expertise: <\/b>Cyber Insurance<\/p><p><b>Auteurs :<\/b> Olivier Lopez, Daniel Nkameni<\/p><p><b>\u00c9diteur :<\/b> Detralytics<\/p><p><b>Date:<\/b> August 21, 2024<\/p><p><b>Langue :<\/b> Anglais<\/p><p><b>Pages:<\/b>\u00a031<\/p><p><b>R\u00e9f\u00e9rence :<\/b> Detra Note 2024-3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6ae38d e-flex e-con-boxed e-con e-parent\" data-id=\"c6ae38d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c05c2 elementor-widget elementor-widget-spacer\" data-id=\"a1c05c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f183faa elementor-widget elementor-widget-heading\" data-id=\"f183faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 propos des auteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53f26ef e-flex e-con-boxed e-con e-parent\" data-id=\"53f26ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45ca7dd e-con-full e-flex e-con e-child\" data-id=\"45ca7dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d43f55d elementor-widget elementor-widget-image\" data-id=\"d43f55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond.jpg\" class=\"attachment-large size-large wp-image-3728\" alt=\"Olivier Lopez\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Olivier_Rond-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0de6fc e-con-full e-flex e-con e-child\" data-id=\"f0de6fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-224cb75 elementor-widget elementor-widget-heading\" data-id=\"224cb75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Olivier Lopez<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dff6d elementor-widget elementor-widget-text-editor\" data-id=\"58dff6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-c0963e97f8ba7767ca498c65abc1af22\">Olivier est professeur \u00e0 l\u2019ENSAE \u00e0 Paris (FR) et co-directeur du Master 2 en Statistiques, Finance et Sciences Actuarielles. Actuaire qualifi\u00e9, il dispose d\u2019un parcours acad\u00e9mique solide d\u00e9velopp\u00e9 au sein d\u2019universit\u00e9s de premier plan.<\/p><p class=\"has-text-color has-link-color wp-elements-dbcb8bb8ab4eb41602573614c21996b0\">Chez Detralytics, Olivier accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise des projets de R&amp;D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b455dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"b455dd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-826b55c e-con-full e-flex e-con e-child\" data-id=\"826b55c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4936f2 elementor-widget elementor-widget-image\" data-id=\"a4936f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Daniel_Rond.jpg\" class=\"attachment-large size-large wp-image-3727\" alt=\"Daniel Nkameni\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Daniel_Rond.jpg 1042w, https:\/\/detralytics.com\/wp-content\/uploads\/2024\/08\/Daniel_Rond-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-888af75 e-con-full e-flex e-con e-child\" data-id=\"888af75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b42de73 elementor-widget elementor-widget-heading\" data-id=\"b42de73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Daniel Nkameni<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03f01f elementor-widget elementor-widget-text-editor\" data-id=\"c03f01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-714ab650d57f678c143372ff2f9356f4\">Daniel fait partie du Talent Accelerator Program (TAP) chez Detralytics. Il est actuaire associ\u00e9 \u00e0 l\u2019Institut des Actuaires en France. Il a d\u00e9velopp\u00e9 une expertise dans diff\u00e9rents domaines de l\u2019assurance Non-Vie, et ses comp\u00e9tences s\u2019\u00e9tendent \u00e9galement \u00e0 la gestion d\u2019\u00e9quipe et de projet. En tant que consultant TAP chez Detralytics, Daniel joue un r\u00f4le cl\u00e9 en Recherche et D\u00e9veloppement (R&amp;D), notamment dans le cadre de sa th\u00e8se de doctorat consacr\u00e9e \u00e0 l\u2019assurance param\u00e9trique.<\/p><p class=\"has-text-color has-link-color wp-elements-0f13836edd320a786840f8102c6e6028\">En parall\u00e8le de son activit\u00e9 de Consultant Actuariel chez Detralytics, Daniel pr\u00e9pare actuellement une th\u00e8se de doctorat sur l\u2019assurance param\u00e9trique appliqu\u00e9e aux risques climatiques et cyber, en partenariat avec le laboratoire de recherche CREST-ENSAE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cad89b e-flex e-con-boxed e-con e-parent\" data-id=\"1cad89b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67b11c4 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