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Malu’I ‘o e kaiha’a e pa’anga he neti

Koe malu’i na’e ngāue mai ‘aki ia he ngaahi pisinisi fuoloa ke tokoni ki hono fakalelei’i ha kovi mo e fa’u ha palani fakamole ki hono fakalele’i ha maumau na’e hoko, pea ‘oku lahi e sitetisitika ne fakaha e ‘ikai lava e pisinisi tokolahi ‘o kei lele koe’uhi koe ‘ikai ke ‘i ai ha malu’i. ‘I he kuonga si’i ne maliu atu na’e malu’i ‘aki he kautaha ‘enau komipiuta moe ‘u misini mopaila ‘o kapau ‘e hoko ha maumau, kaiha’a pe mole ‘i he pisinisi. Hangē pe ko hono malu’i ‘o e me’angāue ‘elekitolonika ka e ‘ikai ke taumu’a fakahoko ia ko’uhi na’a hoko ha mole, kaiha’a pe maumau ki he teita. ‘I ai e ni’ihi he kautaha ‘oku ‘i ai ‘enau ngaahi tu’utu’uni ki hono malu’i ‘e teita kapau ‘e maumau mai e me’angāue pe ‘ika fe’unga e fakamole ki hano ma’u mai e teita ‘o kapau ‘oku mole pe kaiha’asi… neongo ia koe lahi taha ‘o e ‘cyber risks’ ‘oku ‘ikai fakakau ia he malu’i. ‘Oku fakatokanga’i he kautaha malu’i moe ‘u pisinisi ‘a e malu’i ngāue ‘aki mei fuoloa ‘oku ‘ikai fe’unga pea ‘oku ‘i ai e fiema’u ki he ‘cyber liability insurance’ ke malu’i ‘aki e mole ha teita, vailasi, ‘hacking’ moe mamau ki ha malu’i ‘o ha teita. Hangē pe koe fakamole ‘oku fai ki ha mole fakapa’anga, kapau ‘e ‘i ai ha malu’i ki he ‘cyber liability’ ‘e fakakau leva ia ki he founga ngāue ke ngāue‘aki ‘i he pisinisi.

Ngaahi tu’unga ‘oku fie ma’u ke ‘I ai ha malu’i

‘Cyber liability’ ‘u fotunga ‘o e fa’unga e ‘u komipiuta ‘oku kei fo’ou e sevesi ko ia pea mo e tu’unga e malu’i ‘e lava ke kehekehe lahi he vaha’a ‘o e ngaahi kautaha malu’i, ka koe malu’i sai taha ‘cyber liability policy’ ‘u fotunga ‘o e fa’unga e ‘u komipiuta mo hono tekinolosia aleapau malu’i ‘oku totonu ke kau he malu’I ‘a e:

  • Mole, maumau pe koe fakamtala pe fika ‘oku fa’o ‘i loto ha misini ‘elekitolonika kuo mole hono natula totonu.
  • Mole, maumau pe koe natula totonu ‘o e ‘u fakamatala pe fika ‘a e kakai kehe ‘oku fa’o ‘i loto ‘i he ‘ete fanga ki’i misini ‘elekitolonika.
  • Fakapalopalema’i ha sistemi ‘o ha taha (a’u kihe ‘ete kasitoma pe ha’ate kautaha fetuku koloa mai) ‘aki e polokalama kaiha’a silini.
  • Totongi fakatotolo faka’auliliki.
  • Tokoni fakatekinikale ke fakafoki kihe tu’unga na’e ‘i ai pea moe fakamatala pe fika na’e fa’u ‘i loto.
  • Tokoni fakalao.
  • Founga leva’i e taimi faingata’a moe founga fakafetu’utaki.
  • Totongi ‘o e ‘u mo’ua moe tautea.
  • Holo e ma’u’anga silini/tu’u e pisinisi.
  • Totongi huhu’i ha puke fakamalohi.
  • ‘Asi fakama he mitia fakasōsiale.
  • Ngāue ‘aki ete totonu ki ha ‘ate me’a na’ate fa’u.
  • Mole e ‘u fakamatala pe mata’i fika ‘oku tuku ‘i he ‘cloud’ feitu’u tanaki ‘anga ‘u naunau ‘oku te fa’o kihe ‘ete komipiuta.
  • Fetu’utaki mo kinautolu ‘oku eusia ‘enau ‘data’.
  • Founga ke siofia e ‘u me’a fakapa’anga ke malu ‘i he ‘data ‘a ha taha.
  • Maumau ‘ete naunau tekinolosia ‘I ha hu lalo uaea ha taha ki he ‘ete ‘data’.
  • Fakatupu maumau ‘ihe founga ta’e’ilo pe koe taumu’a ke fakahoko ha maumau.

Ha kautaha pe ‘oku fakafalala ki ha teita, tokanga’i ha me’a ‘oku pelepelenngesi mo fakapulipuli, fehokotaki ‘elekitolonika pe pule’i ha sisitemi pea ngāue’aki e ‘elekitolonika ke ne fakakaukau’i e founga ke malu’i ‘enau pisinisi ‘aki e ‘cyber liability insurance’. Siofia ho’o ‘elia ‘oku ke tonounou ai ke malu’i koe pea ke fakatau ha malu’i ‘insurance’ ‘oku hoa mo ho vavai’anga pea moe tō mai mai ha faingata’a.

Ko e ngaahi fiema’u teke fehangahangai mo ia ‘I he ‘cyber liability’ ‘o ha pisinisi ‘online retailer’ ‘initaneti fakatau atu ‘oku matu’aki kehe ia mei he loea, ‘enisinia taukei ha me’a fakaelekitoonika, toketa tafa pe ko ha ‘apiako mo e lahi e kau ngāue’

Totongi

Totongi ‘o e ‘cyber liability insurance’ ‘oku tō ‘aupito ki lalo mei he angamaheni he ngaahi ta’u kuo maliu atu ka ‘e fakatatau ia kihe lahi mo hono ngāue ‘aki ‘e he pisinisi ke tonu hono malu’i. Koe taimi lahi ‘oku tonu ke te mahino’i, ‘oku tokangaekina e he kautaha malu’i ha pisinisi ‘oku sai ‘aupito ‘ena u ‘cyber risk management’ ‘e lava ‘o ‘oatu atu ha tisikauni kia nautolu ‘oku ma’olunga mo ‘iloa ‘enau tu’unga pule ka ‘e fakatatau pe kihe founga ‘oku ‘osi fai ki ai e femahino’aki. Koe founga ‘e taha, koe ‘u Pisinisi ‘oku ‘ikai fe’unga ‘enau malu’i, ‘e faingata’a kianautolu ke ma’u ha malu’i.

Koe ‘uhi ko ‘ene tu’u fihi, ‘oku mau fokotu’u atu ke ke kumi ha malu’I mei ha ‘independent insurance broker’ kautaha fale’i /fakahoko malu’i tau’ataina pea ‘oku taukei he ‘cyber insurance’. Tenau lava foki ‘o fale’I koe ha founga ke ma’u ai ha malu’i ‘oku taau ma ho’o pisinisi.