Electronic Risk Insurance Rules (Comparative Study)

Abstract

Today's technological scientific development has not come out of nothing, but has resulted in many legal problems. The issue of protecting those affected by the consequences of these threats has naturally become one of the most important problems looking for solutions. In particular, they threaten the entity of society, as most States have moved towards an electronic database to serve a particular purpose or may be used for a specific topic. Information, data and files are no longer only stored in paper form. and that ICT has even taken its role in both public and private life as the age moves through it, it has contributed to facilitating personal and financial transactions and has become intrusive in all areas of human life and the correlation between information technology and State security, where cyberattacks have increased and witnessed remarkable development due to the growing digital transformation and thus the electronic interests were exposed to several unknown threats resulting in numerous damages, In the event of all these risks besieging man, it was necessary to look for means that would help him to withstand the effects of such risks if they occurred; It guarantees the effective protection of users of cyberspace, particularly since the principle of responsibility has become unable to ensure effective protection, In order to avoid this deficit, there was a need for a complementary liability regime to stand side by side with it. And this may be done through the development of financial security means of the idea of insurance for electronic damages, in particular, compensation for electronic damages arising from such a risk is high-cost and may often be difficult to cover.