Cloud-Computing services are changing the risk situation of IT-outsourcing and represent a challenge for the insurance industry. The most important problem to guarantee insurability of these emerging risks is that they are not stochastically independent. On the one hand, the interdependent...

Cloud computing, especially Software-as-a-Service (SaaS), changes the IT processes of companies for application deployment, access, usage, maintenance, governance and management. In an age of Bring-Your-Own-Device, small businesses through to globally operating companies increasingly support...