The conditions of insurability of cybercrime: An economic approach to the transfer of cyberrisks.

Summary Insurance has always participated in the success of the global information infrastructure by offering guarantees against traditional computer risks resulting from physical damage. However, cyber risks present several "non-conformities" to the traditional actuarial model due mainly to the interconnection of information systems. The main contribution of the thesis is to identify the conditions that make cyber risks insurable following an economic approach of risk transfer. The study of the insurability dynamics based on a stochastic modeling of supply and demand behaviors has allowed us to identify two conditions necessary for the expansion of the insurability field: the increase of the cyber-risk aversion of the insureds, and the reduction of the probability of success of attacks. From these two conditions, we determined what might increase the former and reduce the latter. One solution is to better leverage the synergy between government and insurance companies in terms of compliance with cyber risk prevention regulations or guidelines by both potential policyholders and connectivity equipment and security service providers. From this research covering both theoretical and empirical aspects of our thesis, we were able to identify the conditions under which cyber risks could be the subject of an insurance contract. This is of great importance when it comes to the very survival of companies in an economic environment "reconfigured" towards an intensive but also unavoidable use of information networks.