Ein sperriger Begriff treibt die Versicherungsbranche um: Kumulierungsrisiken. Versicherer haben davor Respekt. Kumulierungsrisiken bezeichnen das Risiko eines Schadens, der zugleich bei vielen Versicherten eintritt. Denn dann wird es für die Versicherer teuer. Bisher galten Naturkatastrophen wie zum Beispiel Brände als besonders riskant. Doch eine Naturkatastrophe tritt in er Regel lokal auf. Großangelegte Cyberattacken hingegen können weltweit gleichzeitig zu enormen Schäden führen.
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