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George Gavras 2010 Fowler Seminar

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October 8, 2010 2010 Security and Privacy Landscape Presented by: George Gavras, Regional Underwriting Manager Mark Camillo, VP Professional Liability www.chartisinsurance.com © Chartis Inc.  All rights reserved.
Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],© Chartis Inc.  All rights reserved.
ID Theft Overview Sources: Javelin Identity Fraud Report: Identity Fraud Continues to Rise 2010; Verizon Business 2009 Data Breach Investigations Report; & Ponemon Institute Cost of a Data Breach Report 2010 ,[object Object],[object Object],[object Object],[object Object]
Security/Privacy Overview ,[object Object],[object Object],[object Object],[object Object],[object Object],Sources: Carnegie Mellon Governance of Enterprise Security: CyLab 2010 Report & Verizon Business 2009 Data Breach Investigations Report
Causes of Publicly Reported Breaches Source: http:// www.privacyrights.org/ar/ChronDataBreaches.html ; as of January 15, 2010
Highly Targeted Information ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Impact of Social Media Networks ,[object Object],[object Object],[object Object],[object Object],[object Object],Source: “Fear of data loss, social media security risks rising” by Joan Goodchild http://www.networkworld.com/news/2010/092010-fear-of-data-loss-social.html?page=1
What Can Cause a Breach… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What Can Cause a Breach… cont ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Example of SQL Injection from Common Weakness Enumeration Website
Resources Readily Available
Tools Readily Available
Actual ID Theft Chat Room B A C D
ID’s Bought and Sold on the Internet F
Regulatory Environment ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
State Notification Laws Source: NCSL State Security Breach Notification Laws; http://www.ncsl.org ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HIPAA Data Breach Notification ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PCI-DSS (Payment Card Industry Data Security Standard) ,[object Object],[object Object],[object Object],Annual Self-assessment Quarterly scan by ASV Any merchant processing 20,000 to 1M e-commerce transactions 3 Recommended self-assessment Scan requirement set by acquirer Any merchant processing less than 1 million transactions (20,000 e-commerce) 4 Annual self assessment Quarterly scan by ASV Any merchant processing 1M to 6M transactions 2 Annual report on Compliance Quarterly scan by ASV Any merchant processing over 6M transactions 1 Validation Requirements Merchant Criteria Level / Tier
Red Flags Rule ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Claim Example – Hacker Intrusion ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Claim Example – Malicious Software ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Claim Example –Accidental Disclosure ,[object Object],[object Object],[object Object],[object Object]
Claim Example – Rogue Employee/Vendor ,[object Object],[object Object],[object Object],[object Object]
Cost Variation- Dependent on Vendor Selection ,[object Object],[object Object],[object Object],$439,888 $450,490 $885,379 Totals $336,698 $317,297 $683,996 Identity Monitoring Services $51,790 $66,852 $118,642 Call Center Services $7,209 $56,341 $63,551 Print/Mail Letters $14,190 $10,000 $24,190 Legal Assistance with Notification Letters Savings Chartis IDT Vendor Cost Insured's Vendor Cost  
Security & Privacy Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Gaps in Traditional Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Source: Carnegie Mellon Governance of Enterprise Security: CyLab 2010 Report
Summary… ,[object Object],[object Object],[object Object],[object Object]
Questions and Answers George Gavras 215-255-6034 [email_address] Mark Camillo 212-458-1355 [email_address] www.chartisinsurance.com
The data contained in this presentation are for general informational purposes only. The advice of a professional insurance broker and counsel should always be obtained before purchasing any insurance product or service. The information contained herein has been compiled from sources believed to be reliable. No warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein. The claim scenarios summarized herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the policy itself for a description of the scope and limitations of coverage. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc. All products are written by insurance company subsidiaries or affiliates of Chartis Inc. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. © Chartis Inc.  All rights reserved.

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George Gavras 2010 Fowler Seminar

  • 1. October 8, 2010 2010 Security and Privacy Landscape Presented by: George Gavras, Regional Underwriting Manager Mark Camillo, VP Professional Liability www.chartisinsurance.com © Chartis Inc.  All rights reserved.
  • 2.
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  • 5. Causes of Publicly Reported Breaches Source: http:// www.privacyrights.org/ar/ChronDataBreaches.html ; as of January 15, 2010
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  • 12. Actual ID Theft Chat Room B A C D
  • 13. ID’s Bought and Sold on the Internet F
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  • 27. Questions and Answers George Gavras 215-255-6034 [email_address] Mark Camillo 212-458-1355 [email_address] www.chartisinsurance.com
  • 28. The data contained in this presentation are for general informational purposes only. The advice of a professional insurance broker and counsel should always be obtained before purchasing any insurance product or service. The information contained herein has been compiled from sources believed to be reliable. No warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein. The claim scenarios summarized herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the policy itself for a description of the scope and limitations of coverage. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc. All products are written by insurance company subsidiaries or affiliates of Chartis Inc. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. © Chartis Inc.  All rights reserved.