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In recent years, researchers have proposed cyberinsurance as a suitable risk-management technique for enhancing security in Internet-like distributed systems. However, amongst other factors, information asymmetry between the insurer and the insured, and the inter-dependent and correlated nature of cyber risks have contributed in a big way to the failure of cyberinsurance markets. Security experts have argued in favor of Operating System (OS) platform switching (ex., from Windows to Unix-based OSs) or secure OS adoption as being one of the techniques that can potentially mitigate the problems posing a challenge to successful cyber-insurance markets.
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