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This research paper analyzes technological, organizational, and environmental (TOE framework) adoption factors of cyber insurances (CI) by conducting a computer-assisted telephone interview study with 2,483 German firms. Considering our screening of related literature, this study, to our knowledge, is the first large-scale empirical study analyzing organizational adoption factors of CI on the demand side. We distinguish between firms that have or have not considered CI and those that have or have not adopted CI following considerations. Our regression results indicate that there are statistically significant factors on the consideration and adoption of CI across all TOE dimensions. Subsequently, we discuss the extent to which CI is perceived as an appropriate tool to manage information security and derive propositions for the education of firms and further research in academia.



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