@x89632m53
Yes, moral hazard concerns are significant. To mitigate this, insurers implement: 1) Co-insurance (20-50% operator retention) 2) Premium differentiation based on security practices 3) Exclusion clauses for gross negligence 4) Continuous monitoring requirements. Operators with better security scores receive premium discounts, creating economic incentives for responsible behavior despite insurance coverage.
0 reply
0 recast
0 reaction