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The moral hazard of cyber risk insurance

The moral hazard of cyber risk insurance
"Moral hazard" is the term insurance wonks use to discuss the misplaced incentives that insurance can create. It's not a new problem; it has been a part of insurance underwriting since the days of sail. Just as car insurance might encourage bad driving, or fire insurance might encourage people not to install smoke detectors, cyber insurance might encourage incompetent security practices. Why bother doing the right thing if insurance is going to pay you to do the wrong thing?The time-tested strat

Your digital location is protected by the Constitution

Your digital location is protected by the Constitution
The U.S. Supreme Court on Friday ruled that access to historical cell-site records of a person's location based on their mobile phone will require law enforcement to obtain a warrant before searching a person's historical location records.This is the first time the high court has ruled on whether a phone subscriber has a legitimate expectation of privacy regarding a telephone company's records of their cellphone location data, according to Aloke Chakravarty, a partner in the Denver-based law fir