东京 —— 随着近期接连发生数据泄露事件，日本主要财产保险公司收到的关于网络保险的咨询激增，连中小企业的兴趣也随之高涨。网络保险用于补偿企业因网络攻击遭受的损失。
TOKYO -- Japan's major nonlife insurers are seeing a surge in inquiries about cyber insurance, which compensates companies for losses caused by cyberattacks, as a string of recent data breaches heightens interest even among small and midsize businesses.
东京海上日动火灾保险公司表示，10月份企业就网络保险政策进行的咨询数量，是4月至9月期间月均值的三倍。
At Tokio Marine & Nichido Fire Insurance, the number of consultations with companies about cyber insurance policies in October was triple the monthly average recorded during the April-September period.
东京海上集团旗下公司的网络风险专家京乐大辅表示：“我们希望能为遭受攻击的企业提供支持，使其能尽快做出应对。”
"We'd like to support companies that come under attack so they can respond as quickly as possible," said Daisuke Kyogaku, a cyber risk specialist at a Tokio Marine group company.
日本损害保险公司（Sompo Japan Insurance）已开始接到中小企业寻求尽快获得保障的咨询。一些已经持有网络保险的企业也在询问提高赔付限额的事宜。
Sompo Japan Insurance has begun receiving inquiries from small and midsize companies seeking coverage as soon as possible. Some companies that already hold cyber insurance are also asking for higher payout limits.
日本损害保险公司表示，继日本GMO互联网集团遭遇未经授权访问、广泛使用的PHP编程语言被发现存在严重漏洞等重大网络安全事件发生后，咨询量较9月份大幅增加，大约增长了两倍（即变为三倍）。
Sompo said inquiries have roughly tripled from September levels following major cybersecurity incidents including unauthorized access at Japan's GMO Internet Group and the discovery of a critical vulnerability in the widely used PHP programming language.
网络保险涵盖企业的计算机、服务器或网站遭受网络攻击时产生的损失。保单通常涵盖与个人信息泄露相关的赔偿款项，例如客户姓名和电子邮件地址，以及事后加强安全措施所产生的费用。
Cyber insurance covers losses arising when a company's computers, servers or websites are targeted by cyberattacks. Policies typically cover compensation payments related to personal information leaks, such as customers' names and email addresses, as well as costs associated with strengthening security measures after an incident.
保障范围通常还延伸至未经授权访问事件发生后，企业向用户支付的见面费（慰问金）。
Coverage often extends to goodwill payments made to users after unauthorized access incidents.
保费因保单条款而异，但据一家大型保险公司称，“通常每年在几十万至几百万日元之间”。日本损害保险公司估计，一家年销售额为30亿日元（约合1900万美元）的物流公司，每月保费约为3万日元。
Premiums vary depending on policy terms, but "typically range from hundreds of thousands to millions of yen per year," according to a major insurer. Sompo estimates that a logistics company with sales of 3 billion yen ($19 million) would pay roughly 30,000 yen a month for coverage.
网络保险合同数量在中长期呈稳步增长态势。据日本损害保险协会统计，提供网络保险的9家会员保险公司在2025财年合同总数达34万4930份，为5年前的5倍。同期保费收入翻倍至497亿日元。
The number of cyber insurance contracts has been growing steadily over the medium to long term. According to the General Insurance Association of Japan, the nine member insurers offering cyber insurance had a total of 344,930 contracts in fiscal 2025, five times the level of five years earlier. Premium income doubled to 49.7 billion yen during that span.
据《日经新闻》统计，东京海上、损保日本、三井住友海上、爱和谊同和财产保险等四大保险公司2025年4月至9月的合同总数同比增长6%至2万6835份，保费收入增长14%至197亿日元。
Combined contract numbers at the top four insurers -- Tokio Marine, Sompo Japan, Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance -- in April-September were up 6% on the year to 26,835, while premium income rose 14% to 19.7 billion yen, according to a Nikkei tabulation.
KPMG日本2025年的一项调查显示，日本上市公司中约60%投保了网络保险。但据日本损害保险协会去年的一项调查，中小企业的投保率仍远低于此，仅约10%。
A 2025 survey by KPMG Japan found that roughly 60% of listed Japanese companies carried cyber insurance. But adoption among small and midsize companies remains much lower at around 10%, according to a survey last year from the General Insurance Association.
在美国，大型保险公司Travelers于6月对约1200家企业进行的调查显示，70%的受访企业投保了网络保险，为2018年开展该调查以来的最高水平。
In the U.S., a June survey of around 1,200 companies by major insurer Travelers found that 70% of respondents had cyber insurance, the highest level since the survey began in 2018.
与此同时，更频繁的网络攻击可能推高保费。网络攻击在全球范围内蔓延的可能性，引发了对大规模同期赔付的担忧。
Meanwhile, more frequent cyberattacks could drive up insurance premiums. The potential for the worldwide spread of cyberattacks raises concerns about large, simultaneous insurance payouts.
财产保险公司鼓励企业采取额外预防性安全措施的趋势日益增强。6月，东京海上日动火灾保险推出了一项服务，用于评估针对供应链的网络攻击防御措施，包括针对业务合作伙伴的攻击。
There is a growing trend among nonlife insurers of encouraging businesses to take extra preventative security measures. In June, Tokio Marine & Nichido Fire Insurance launched a service for reviewing defense measures against cyberattacks affecting supply chains, including those targeting business partners.
随着网络攻击日益频发，财产保险公司的角色正在扩大，除了提供保险外，还包括预防此类攻击造成的损失。
As cyberattacks become more common, nonlife insurers are expanding their roles to include preventing damage from such attacks in addition to providing insurance.
12月，Sompo Holdings（索姆波控股）将开始为持有网络保险合同的企业提供免费的网络风险评估服务。MS&AD Insurance Group Holdings（MS&AD保险集团控股）的一家子公司将提供一项服务，定期向大企业的业务合作伙伴更新其面临的网络风险。
In December, Sompo Holdings will begin offering a free service assessing cyber risks for companies with cyber insurance contracts. A subsidiary of MS&AD Insurance Group Holdings will offer a service to regularly update business partners of large corporations on cyber risks they face.
“日本财产保险公司有可能效仿海外财产保险公司，收紧购买网络保险的资格要求，”美国大型保险经纪公司Marsh（美世）日本子公司总裁村山智夫表示。
"It's possible that Japanese nonlife insurance companies will follow the example of overseas nonlife insurers and tighten eligibility requirements for buying cyber insurance," said Tomoo Murayama, president of a Japan subsidiary of major U.S.-based insurance broker Marsh.