{"id":"https://openalex.org/W4406492863","doi":"https://doi.org/10.1093/cybsec/tyae031","title":"Insurance versus digital harm: a content analysis of home and cyber insurance policies in the USA and UK","display_name":"Insurance versus digital harm: a content analysis of home and cyber insurance policies in the USA and UK","publication_year":2025,"publication_date":"2025-01-01","ids":{"openalex":"https://openalex.org/W4406492863","doi":"https://doi.org/10.1093/cybsec/tyae031"},"language":"en","primary_location":{"id":"doi:10.1093/cybsec/tyae031","is_oa":true,"landing_page_url":"https://doi.org/10.1093/cybsec/tyae031","pdf_url":null,"source":{"id":"https://openalex.org/S2735156331","display_name":"Journal of Cybersecurity","issn_l":"2057-2085","issn":["2057-2085","2057-2093"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310311648","host_organization_name":"Oxford University Press","host_organization_lineage":["https://openalex.org/P4310311648","https://openalex.org/P4310311647"],"host_organization_lineage_names":["Oxford University Press","University of Oxford"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://doi.org/10.1093/cybsec/tyae031","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5101308942","display_name":"Rachiyta Jain","orcid":null},"institutions":[{"id":"https://openalex.org/I98677209","display_name":"University of Edinburgh","ror":"https://ror.org/01nrxwf90","country_code":"GB","type":"education","lineage":["https://openalex.org/I98677209"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Rachiyta Jain","raw_affiliation_strings":["School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,","institution_ids":["https://openalex.org/I98677209"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5093994409","display_name":"Temima Hrle","orcid":null},"institutions":[{"id":"https://openalex.org/I98677209","display_name":"University of Edinburgh","ror":"https://ror.org/01nrxwf90","country_code":"GB","type":"education","lineage":["https://openalex.org/I98677209"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Temima Hrle","raw_affiliation_strings":["School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,","institution_ids":["https://openalex.org/I98677209"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5080051176","display_name":"Daniel Woods","orcid":"https://orcid.org/0000-0002-8569-1917"},"institutions":[{"id":"https://openalex.org/I193260172","display_name":"British University in Dubai","ror":"https://ror.org/00mc18523","country_code":"AE","type":"education","lineage":["https://openalex.org/I193260172"]},{"id":"https://openalex.org/I98677209","display_name":"University of Edinburgh","ror":"https://ror.org/01nrxwf90","country_code":"GB","type":"education","lineage":["https://openalex.org/I98677209"]}],"countries":["AE","GB"],"is_corresponding":false,"raw_author_name":"Daniel W Woods","raw_affiliation_strings":["Department of Computer Science, British University in Dubai , Dubai, PO Box 345015 ,","School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,"],"raw_orcid":"https://orcid.org/0000-0002-8569-1917","affiliations":[{"raw_affiliation_string":"Department of Computer Science, British University in Dubai , Dubai, PO Box 345015 ,","institution_ids":["https://openalex.org/I193260172"]},{"raw_affiliation_string":"School of Informatics, University of Edinburgh , Edinburgh, EH8 9AB ,","institution_ids":["https://openalex.org/I98677209"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5101308942"],"corresponding_institution_ids":["https://openalex.org/I98677209"],"apc_list":{"value":1864,"currency":"USD","value_usd":1864},"apc_paid":{"value":1864,"currency":"USD","value_usd":1864},"fwci":5.3571,"has_fulltext":false,"cited_by_count":2,"citation_normalized_percentile":{"value":0.94061532,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":98,"max":99},"biblio":{"volume":"11","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10734","display_name":"Information and Cyber Security","score":0.980400025844574,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12262","display_name":"Hate Speech and Cyberbullying Detection","score":0.9783999919891357,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/harm","display_name":"Harm","score":0.7335243821144104},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5017929077148438},{"id":"https://openalex.org/keywords/content-analysis","display_name":"Content analysis","score":0.5009703636169434},{"id":"https://openalex.org/keywords/internet-privacy","display_name":"Internet privacy","score":0.46319717168807983},{"id":"https://openalex.org/keywords/digital-content","display_name":"Digital content","score":0.4110877811908722},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.4068790078163147},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.34246158599853516},{"id":"https://openalex.org/keywords/social-psychology","display_name":"Social psychology","score":0.17280465364456177},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.15820369124412537},{"id":"https://openalex.org/keywords/sociology","display_name":"Sociology","score":0.15016219019889832},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.10332521796226501},{"id":"https://openalex.org/keywords/social-science","display_name":"Social science","score":0.05969694256782532}],"concepts":[{"id":"https://openalex.org/C2777363581","wikidata":"https://www.wikidata.org/wiki/Q15098235","display_name":"Harm","level":2,"score":0.7335243821144104},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5017929077148438},{"id":"https://openalex.org/C162446236","wikidata":"https://www.wikidata.org/wiki/Q653137","display_name":"Content analysis","level":2,"score":0.5009703636169434},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.46319717168807983},{"id":"https://openalex.org/C2779344036","wikidata":"https://www.wikidata.org/wiki/Q11320476","display_name":"Digital content","level":2,"score":0.4110877811908722},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4068790078163147},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.34246158599853516},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.17280465364456177},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.15820369124412537},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.15016219019889832},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.10332521796226501},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.05969694256782532}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1093/cybsec/tyae031","is_oa":true,"landing_page_url":"https://doi.org/10.1093/cybsec/tyae031","pdf_url":null,"source":{"id":"https://openalex.org/S2735156331","display_name":"Journal of Cybersecurity","issn_l":"2057-2085","issn":["2057-2085","2057-2093"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310311648","host_organization_name":"Oxford University Press","host_organization_lineage":["https://openalex.org/P4310311648","https://openalex.org/P4310311647"],"host_organization_lineage_names":["Oxford University Press","University of Oxford"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity","raw_type":"journal-article"},{"id":"pmh:oai:pure.ed.ac.uk:openaire/ab57bfdb-e039-4ccc-b0ba-c4dfcba03263","is_oa":true,"landing_page_url":"https://www.research.ed.ac.uk/en/publications/ab57bfdb-e039-4ccc-b0ba-c4dfcba03263","pdf_url":null,"source":{"id":"https://openalex.org/S4406922455","display_name":"Edinburgh Research Explorer","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jain, R, Hrle, T & Woods, D W 2025, 'Insurance versus digital harm : A content analysis of home and cyber insurance policies in the USA and UK', Journal of Cybersecurity, vol. 11, no. 1, tyae031, pp. 1-15. https://doi.org/10.1093/cybsec/tyae031","raw_type":"info:eu-repo/semantics/publishedVersion"},{"id":"pmh:oai:pure.ed.ac.uk:publications/ab57bfdb-e039-4ccc-b0ba-c4dfcba03263","is_oa":true,"landing_page_url":"https://hdl.handle.net/20.500.11820/ab57bfdb-e039-4ccc-b0ba-c4dfcba03263","pdf_url":null,"source":{"id":"https://openalex.org/S4306400321","display_name":"Edinburgh Research Explorer (University of Edinburgh)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I98677209","host_organization_name":"University of Edinburgh","host_organization_lineage":["https://openalex.org/I98677209"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jain, R, Hrle, T & Woods, D W 2025, 'Insurance versus digital harm : A content analysis of home and cyber insurance policies in the USA and UK', Journal of Cybersecurity, vol. 11, no. 1, tyae031, pp. 1-15. https://doi.org/10.1093/cybsec/tyae031","raw_type":"info:eu-repo/semantics/publishedVersion"}],"best_oa_location":{"id":"doi:10.1093/cybsec/tyae031","is_oa":true,"landing_page_url":"https://doi.org/10.1093/cybsec/tyae031","pdf_url":null,"source":{"id":"https://openalex.org/S2735156331","display_name":"Journal of Cybersecurity","issn_l":"2057-2085","issn":["2057-2085","2057-2093"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310311648","host_organization_name":"Oxford University Press","host_organization_lineage":["https://openalex.org/P4310311648","https://openalex.org/P4310311647"],"host_organization_lineage_names":["Oxford University Press","University of Oxford"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[{"id":"https://openalex.org/G2040152928","display_name":null,"funder_award_id":"EP/V011189/1","funder_id":"https://openalex.org/F4320314731","funder_display_name":"UK Research and Innovation"}],"funders":[{"id":"https://openalex.org/F4320314731","display_name":"UK Research and Innovation","ror":"https://ror.org/001aqnf71"}],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":72,"referenced_works":["https://openalex.org/W173436483","https://openalex.org/W632355419","https://openalex.org/W1516366611","https://openalex.org/W1870950964","https://openalex.org/W1914442856","https://openalex.org/W2012708568","https://openalex.org/W2067404301","https://openalex.org/W2126949246","https://openalex.org/W2152065333","https://openalex.org/W2252814878","https://openalex.org/W2256695479","https://openalex.org/W2322673779","https://openalex.org/W2588847508","https://openalex.org/W2590695271","https://openalex.org/W2609980528","https://openalex.org/W2614163802","https://openalex.org/W2734999728","https://openalex.org/W2754799758","https://openalex.org/W2768343520","https://openalex.org/W2769696947","https://openalex.org/W2790223038","https://openalex.org/W2911793200","https://openalex.org/W2918490372","https://openalex.org/W2936673740","https://openalex.org/W2942275776","https://openalex.org/W2972902221","https://openalex.org/W2981014813","https://openalex.org/W2981679275","https://openalex.org/W2982373842","https://openalex.org/W2989326691","https://openalex.org/W3022962357","https://openalex.org/W3034927504","https://openalex.org/W3040590365","https://openalex.org/W3084177670","https://openalex.org/W3128464343","https://openalex.org/W3159399666","https://openalex.org/W3164383020","https://openalex.org/W3174740818","https://openalex.org/W3194487227","https://openalex.org/W3204960705","https://openalex.org/W3211252547","https://openalex.org/W4235005830","https://openalex.org/W4281564584","https://openalex.org/W4283643001","https://openalex.org/W4293697625","https://openalex.org/W4300470068","https://openalex.org/W4316664258","https://openalex.org/W4353005505","https://openalex.org/W4362635414","https://openalex.org/W4366087560","https://openalex.org/W4385412330","https://openalex.org/W4388731513","https://openalex.org/W4406067581","https://openalex.org/W6639335331","https://openalex.org/W6640073027","https://openalex.org/W6675156898","https://openalex.org/W6766437867","https://openalex.org/W6775916056","https://openalex.org/W6779241723","https://openalex.org/W6781622936","https://openalex.org/W6781924006","https://openalex.org/W6782645906","https://openalex.org/W6789685939","https://openalex.org/W6790399064","https://openalex.org/W6793832870","https://openalex.org/W6794450790","https://openalex.org/W6797643652","https://openalex.org/W6810449478","https://openalex.org/W6851874188","https://openalex.org/W6881211177","https://openalex.org/W6983742326","https://openalex.org/W7027224102"],"related_works":["https://openalex.org/W2356901839","https://openalex.org/W3203175338","https://openalex.org/W3209501579","https://openalex.org/W4396686671","https://openalex.org/W2497114785","https://openalex.org/W4283162910","https://openalex.org/W2803806723","https://openalex.org/W119609074","https://openalex.org/W4245578471","https://openalex.org/W4293140739"],"abstract_inverted_index":{"Abstract":[0],"The":[1],"adoption":[2],"of":[3,58,73,110,128],"digital":[4,24,83,98,116,197],"technology":[5],"creates":[6],"the":[7,64,69,176],"potential":[8],"for":[9,97],"new":[10],"harms.":[11],"Given":[12],"that":[13,79,138,160,175],"risk":[14,25],"prevention":[15],"solutions":[16],"are":[17,46,139],"imperfect,":[18],"individuals":[19],"may":[20],"wish":[21],"to":[22,26,184,195],"transfer":[23],"an":[27],"insurer.":[28],"It":[29],"is":[30],"unclear":[31],"whether":[32,40],"existing":[33],"insurance":[34,44,60,76,112,132],"policies":[35,77,113,158,163],"cover":[36,115],"these":[37],"harms,":[38],"or":[39,91],"specialized":[41],"consumer":[42,130],"cyber":[43,92,131,142,162],"products":[45,133],"available.":[47],"We":[48],"address":[49],"this":[50],"research":[51],"gap":[52],"by":[53,87,105],"conducting":[54],"a":[55],"content":[56],"analysis":[57,72,127],"50":[59],"policies,":[61],"32":[62],"in":[63,68],"USA":[65],"and":[66,101,122,150,168],"18":[67],"UK.":[70],"Our":[71,126],"26":[74],"home":[75,111],"reveals":[78,159],"insurers":[80],"typically":[81,164],"exclude":[82],"perils":[84,117,137],"(losses":[85],"caused":[86],"computer":[88],"viruses,":[89],"hacking,":[90],"attacks),":[93],"but":[94],"include":[95],"coverage":[96],"assets":[99],"(devices":[100],"downloaded":[102],"data)":[103],"impacted":[104],"conventional":[106],"perils.":[107],"A":[108],"minority":[109],"affirmatively":[114],"such":[118],"as":[119],"identity":[120,151],"theft":[121],"social":[123],"media":[124],"defamation.":[125],"24":[129],"identifies":[134],"6":[135],"core":[136],"generally":[140],"covered:":[141],"attack,":[143],"data":[144],"breach,":[145],"ransomware,":[146],"online":[147],"fraud,":[148],"cyberbullying,":[149],"theft.":[152],"Finally,":[153],"pricing":[154],"information":[155],"from":[156,180],"21":[157],"specialist":[161],"cost":[165],"between":[166],"$20":[167],"$150.":[169],"One":[170],"insurer\u2019s":[171],"actuarial":[172],"calculations":[173],"suggest":[174],"expected":[177],"losses":[178],"range":[179],"$2":[181],"(online":[182],"fraud)":[183],"$9":[185],"(computer":[186],"attack).":[187],"These":[188],"findings":[189],"can":[190],"help":[191],"users":[192],"form":[193],"strategies":[194],"manage":[196],"risk.":[198]},"counts_by_year":[{"year":2026,"cited_by_count":2}],"updated_date":"2026-05-13T08:25:38.343686","created_date":"2025-10-10T00:00:00"}
