Auflagen in der Cyberversicherung: Eine echte Chance für Versicherungsnehmer?
Auflagen in der Cyberversicherung: Eine echte Chance für Versicherungsnehmer?
Wie sind Auflagen, die der Cyberversicherer dem versicherten Unternehmen auferlegt, rechtlich einzuordnen? Dieser Frage widmen sich Dr. David Ulrich und Johannes Stanglmeier in ihrem Fachbeitrag für die r+s.
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Ist eine Auflage eine Obliegenheit? Eine Risikobegrenzung? Oder ein Risikoausschluss? Je nach Ausgestaltung der vom Cyberversicherer erteilten Auflage, können mit der juristischen Einordnung auch die rechtlichen Folgen einer Zuwiderhandlung durch den Versicherungsnehmer variieren.
In ihrem Beitrag für die Zeitschrift Recht & Schaden (im Volltext veröffentlicht in: r+s 2024, 933) gehen Dr. David Ulrich und der Cyber-Experte Johannes Stanglmeier der Frage auf den Grund, ob Auflagen eher Chance oder Risiko für das versicherte Unternehmen bedeuten.
Der Text ist für Abonnenten bei Beck-Online abrufbar. Eine überarbeitete und gekürzte Version des Fachbeitrags veröffentlichten die Autoren auch in der VersicherungsPraxis (hier auf unserer Website im Volltext veröffentlicht).
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