【原文】
I ①Data breaches at banks, health-care providers and government agencieshave led companies to invest more insecurity programs. ②Now, security providers are pitching business style protection to consumers.
II ①Many homeowners’insurance policies include identity-theft coverage, which typically includes access to credit monitoring and a case manager who can help victims clean up the mess. ②But some companies are taking consumer cyberprotection a step further, offering home security audits and checking whether computer systems are hack-proof. ③The pitch is that individuals with investments and sensitive data they access on home and mobile systems may be more vulnerable than they think.
III ①Avivah Litan, a security analyst at Stamford, Conn. -based Gartner Research, says these services could prove more valuable than identity-theft insurance, which does little to prevent fraud from actually occurring. ②“You have to put a price tag on your risk,” Ms. Litan says.
IV ①Pure Insurance began offering a “CyberSafe Solutions”program in June. ②Through a partnership with Concentric Advisors, a cyber- and personal security firm,the insurer provides a one-day auditof home networks, starting at $1,500. ③For another $500 to $3,000 monthly, it will monitor a client’s home computer networks for intrusions. ④Clients also can buy a $2,500 “social engineering assessment,” which analyzes how criminals could exploit publicly available information on a client.
Ⅴ①Martin Hartley, Pure’s chief operating officer, says the programs was launched after the insurer started receivingcyber-related claims, including one in which an intruder hacked into a client’s e-mail and ordered the client’s personal assistant to transfer $115,000 to a Florida account. ②He says the bank declined reimburse the amount since anauthorized user—the assistant—had approved the transaction.
Ⅵ①Rick DeGolia, the mayor of Atherton, Calif., says he has signed up for a security audit of his home networks anddevices from Pure. ②He says he considers the chances of someone hacking intohis accounts and stealing funds to be greater than the probability of a naturaldisaster destroying his home. ③“You wouldn’t buy a house without home-owner’sinsurance,” he says.
Ⅶ①Still, not everyone who thinks they need extra protection does, says Scott Johnson, a former Secret Service agent and founder of Trailblazer International, a cybersecurity and executive-protectionfirm in State College, Pa. “Some people are just paranoid.”
(“Cyberinsurance Gets Personal.” By Ms. Anand Sep. 21st,2015. Wall Street Journal.)
Martin Hartley,Pure保险公司的首席运营官说,保险公司开始受理网络相关索赔后,项目启动,案件包括一位入侵者侵入客户的电子邮件,并要求客户的个人助理向佛罗里达帐户转账115000美元。他说,银行因有授权用户—他的助手—准许该交易而拒绝偿还这笔资金。
加州阿瑟顿市长Rick DeGolia说,他已经签署了Pure保险公司的家庭网络安全审计和设备。他说他认为有人侵入他的账户并窃取他的钱财的可能性要大于资金自然灾害破坏他家的可能性。“你不会买没有业主的保险的房子。”他说道。