{"id":14608,"date":"2026-11-07T00:53:50","date_gmt":"2026-11-07T00:53:50","guid":{"rendered":"https:\/\/oneglobalbroking.com\/?p=14608"},"modified":"2026-11-09T11:16:09","modified_gmt":"2026-11-09T11:16:09","slug":"el-hackeo-de-los-refrigeradores-que-poliza-paga","status":"publish","type":"post","link":"https:\/\/oneglobalbroking.com\/en_lat\/el-hackeo-de-los-refrigeradores-que-poliza-paga\/","title":{"rendered":"El hackeo de los refrigeradores: un evento cyber, una p\u00e9rdida patrimonial. \u00bfQu\u00e9 p\u00f3liza\u00a0paga?"},"content":{"rendered":"
\n
\n
\"Pasillo<\/figure>\n

Hackers calentaron congeladores de supermercados en toda Europa durante la madrugada. Sin rescate, sin datos robados, solo mercanc\u00eda perdida. Rupert Hills, Partner de nuestro equipo de Financial Lines en Londres, explica d\u00f3nde queda realmente la p\u00e9rdida.<\/em><\/p>\n

Durante el \u00faltimo mes, supermercados en toda Europa abrieron por la ma\u00f1ana y encontraron sus congeladores calent\u00e1ndose. Francia fue la primera, en octubre. El 2 de noviembre, una segunda ola lleg\u00f3 a B\u00e9lgica, Luxemburgo, Irlanda, Suecia, Finlandia, Estonia y los Pa\u00edses Bajos, y despu\u00e9s a Alemania, Italia y Grecia. Los atacantes accedieron a controladores de refrigeraci\u00f3n expuestos en internet. Pusieron los equipos en modo de descongelaci\u00f3n o calefacci\u00f3n y, en algunos casos, cambiaron la configuraci\u00f3n de -27\u00b0C a m\u00e1s de 50\u00b0C. Cuando lleg\u00f3 el personal, la mercanc\u00eda ya estaba perdida. En Francia, algunas tiendas sufrieron incendios.<\/p>\n

No hubo pedido de rescate y no se llevaron ning\u00fan dato. Fue sabotaje puro.<\/p>\n

Entonces, \u00bfd\u00f3nde queda la p\u00e9rdida? Es la pregunta que m\u00e1s me han hecho esta semana. La respuesta honesta es que probablemente no est\u00e1 donde la mayor\u00eda de los minoristas cree.<\/p>\n

\"Controlador<\/figure>\n

\u00bfEs el seguro cyber?<\/h2>\n

Una p\u00f3liza cyber espec\u00edfica deber\u00eda responder bien al incidente en s\u00ed: respuesta a incidentes, an\u00e1lisis forense, restauraci\u00f3n de sistemas y, posiblemente, interrupci\u00f3n del negocio. Pero la mayor\u00eda de los textos de p\u00f3lizas cyber excluyen la p\u00e9rdida o el da\u00f1o f\u00edsico a bienes tangibles. La mercanc\u00eda refrigerada y congelada que se echa a perder es un bien tangible, as\u00ed que la mayor parte del monto del siniestro puede quedar fuera de la p\u00f3liza.<\/p>\n

\u00bfEs da\u00f1o f\u00edsico de origen cyber?<\/h2>\n

Es hacia donde el mercado viene apuntando cuando habla de riesgo \u201cciberf\u00edsico\u201d, y los incendios en Francia lo pondr\u00e1n a prueba. Pero en la mayor\u00eda de las tiendas, el equipo de refrigeraci\u00f3n no se da\u00f1\u00f3. Hizo exactamente lo que le ordenaron. Las p\u00f3lizas patrimoniales tambi\u00e9n incluyen cada vez m\u00e1s exclusiones cyber (LMA5400 y similares), que eliminan la cobertura de p\u00e9rdidas causadas por el uso malicioso de un sistema inform\u00e1tico, salvo que la cobertura se haya reincorporado.<\/p>\n

D\u00f3nde queda realmente: deterioro de existencias<\/h2>\n

La mayor\u00eda de los programas patrimoniales de retail y de alimentos incluyen una extensi\u00f3n de deterioro de existencias. Es el lugar natural para esta p\u00e9rdida, porque la mercanc\u00eda se ech\u00f3 a perder por un cambio de temperatura en el equipo de refrigeraci\u00f3n.<\/p>\n

El problema est\u00e1 en el detonante. Muchas extensiones responden a \u201caver\u00eda\u201d, \u201cfalla mec\u00e1nica o el\u00e9ctrica\u201d o \u201ccorte del suministro p\u00fablico\u201d. Un atacante remoto que cambia una configuraci\u00f3n no es una aver\u00eda, porque la m\u00e1quina funcion\u00f3 perfectamente. Si a eso se suma una exclusi\u00f3n cyber sobre toda la p\u00f3liza patrimonial, una extensi\u00f3n que parece limpia puede fallar por dos motivos.<\/p>\n

\u00bfQu\u00e9 deben hacer los clientes ahora?<\/h2>\n
    \n
  1. Lea juntas la cl\u00e1usula de deterioro de existencias y la cl\u00e1usula cyber de la p\u00f3liza patrimonial, no por separado.<\/li>\n
  2. Pida a las aseguradoras que confirmen por escrito que un cambio malicioso o no autorizado en la configuraci\u00f3n de temperatura, incluso hecho a trav\u00e9s de un sistema inform\u00e1tico, es un detonante cubierto.<\/li>\n
  3. Revise el l\u00edmite. Las extensiones de deterioro suelen tener subl\u00edmites pensados para la falla de un compresor, no para 40 tiendas en una sola noche.<\/li>\n
  4. Verifique si la p\u00f3liza cyber tiene reincorporaci\u00f3n de bienes tangibles o de \u201cbricking\u201d, y c\u00f3mo encajan las dos p\u00f3lizas, para no quedar atrapado en una disputa entre ellas.<\/li>\n
  5. Saque los controladores de la internet abierta. Las aseguradoras van a preguntar.<\/li>\n<\/ol>\n
    \"Cinco<\/figure>\n

    Hacia aqu\u00ed va el riesgo cyber: un ataque barato a la tecnolog\u00eda operativa, sin datos de por medio, y la p\u00e9rdida recayendo sobre bienes f\u00edsicos.<\/p>\n

    La pregunta no es \u201c\u00bftenemos seguro cyber?\u201d. Es \u201c\u00bfqu\u00e9 p\u00f3liza paga, y ya nos aseguramos de que una de ellas pague?\u201d<\/p>\n

    Si quiere una segunda opini\u00f3n sobre c\u00f3mo responder\u00eda su programa de seguros, escriba a Rupert<\/a> (en ingl\u00e9s) o a su contacto habitual en Oneglobal.<\/p>\n

    \n

    Hable con nuestro equipo de cyber<\/p>\n

    Conozca c\u00f3mo apoyamos a nuestros clientes con seguro cyber en nuestra p\u00e1gina de Cyber Risks<\/a> (en ingl\u00e9s).<\/p>\n

    Cont\u00e1ctenos →<\/a><\/p>\n<\/div>\n

    \n\"Rupert<\/p>\n
    \n

    SOBRE EL AUTOR<\/p>\n

    Rupert Hills<\/p>\n

    Partner, Financial Lines, Londres<\/p>\n

    Rupert asesora a clientes en riesgos cyber y de financial lines. rhills@ogbroking.com<\/a><\/p>\n<\/div>\n<\/div>\n

    Este art\u00edculo es una edici\u00f3n especial de Global View, la revista de Oneglobal sobre los riesgos que moldean los mercados globales. Suscr\u00edbase gratis a Global View<\/a> y reciba cada edici\u00f3n en su correo.<\/p>\n<\/div>\n<\/div>\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Hackers calentaron congeladores de supermercados en toda Europa. Sin rescate, sin datos robados, solo mercanc\u00eda perdida. Rupert Hills explica d\u00f3nde queda realmente la p\u00e9rdida.<\/p>\n","protected":false},"author":1,"featured_media":14515,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[126],"tags":[],"class_list":["post-14608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-insights-en-lat"],"yoast_head":"\nEl hackeo de los refrigeradores: un evento cyber, una p\u00e9rdida patrimonial. \u00bfQu\u00e9 p\u00f3liza\u00a0paga? - oneglobal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oneglobalbroking.com\/en_lat\/el-hackeo-de-los-refrigeradores-que-poliza-paga\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El hackeo de los refrigeradores: un evento cyber, una p\u00e9rdida patrimonial. \u00bfQu\u00e9 p\u00f3liza\u00a0paga? - oneglobal\" \/>\n<meta property=\"og:description\" content=\"Hackers calentaron congeladores de supermercados en toda Europa. 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