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PS 1049

Para establecer guías para que las aseguradoras ofrezcan cobertura de brecha digital que integre riesgos cibernéticos y de interrupción de negocios; promover la inclusión voluntaria de estas coberturas en pólizas comerciales y gubernamentales para mitigar impactos en la era digital; sin imponer costos adicionales al erario ni obligaciones mandatorias a las empresas o consumidores; y para otros fines relacionados.

2025-2028 Session

Puerto Rico bill establishes voluntary guidelines for insurers to offer digital divide and cybersecurity coverage without government costs or mandatory requirements.

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Bill Summary · PS 1049

Legislative bill overview

Bill PS 1049 proposes establishing guidelines for insurance companies to voluntarily offer digital divide coverage that addresses cybersecurity and business interruption risks in Puerto Rico. The bill aims to promote the inclusion of these coverages in commercial and governmental insurance policies without imposing mandatory obligations or additional costs to the government, businesses, or consumers.

Why is this important

Digital infrastructure disruptions and cyber incidents can have severe economic consequences, particularly for businesses and essential services. This bill addresses a potential insurance gap by encouraging private insurers to develop products that protect against digital-era risks, which could reduce recovery costs and economic losses from cyber events and service interruptions across Puerto Rico's economy.

Potential points of contention

  • Voluntary vs. mandatory approach: Critics may question whether voluntary guidelines are sufficient to ensure adequate coverage availability, or if market incentives alone will drive insurers to offer these products at competitive rates
  • "Digital divide" definition ambiguity: The bill's scope regarding what constitutes "digital divide coverage" versus standard cyber insurance is unclear, potentially creating confusion about covered risks and overlapping policies
  • Enforcement and accountability: Without mandatory requirements, there may be limited mechanisms to ensure insurers actually implement these guidelines or that coverage remains accessible and affordable for small businesses and underserved communities

Compiled from official sources — confirm details with the bill’s official record.

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