: This research aims to study electronic insurance as a means of protecting smart e-commerce transactions from increasing cyber risks while analyzing the legal frameworks governing this field at the international level and through legislative comparisons between different countries. The world is witnessing a significant digital transformation in commerce, where smart e-commerce relies on advanced technologies such as artificial intelligence, the Internet of Things, and blockchain. These innovations have enhanced efficiency but have also increased exposure to cyber-attacks, electronic fraud, and data breaches.Despite the importance of electronic insurance in mitigating these risks, traditional insurance policies remain inadequate in addressing complex digital threats. The study revealed clear legal gaps between different legislative frameworks, as some countries, such as the United States and the European Union, have adopted strict laws regulating electronic insurance, whereas many Arab countries still lack specialized legislation in this area. The research highlights the importance of developing flexible insurance policies that align with modern digital developments, mandating large companies to obtain insurance against cyber risks, and enhancing international cooperation to combat cybercrime and unify insurance standards. The study also emphasizes the need to use advanced technologies such as artificial intelligence to analyze risks and improve insurance claims processes. The study concluded that electronic insurance has become an inevitable necessity in the evolving digital environment, necessitating the updating of existing legislation and the provision of comprehensive insurance coverage to protect consumers and businesses while strengthening confidence in the global digital economy.
Sarah Sabah Al-Hindawy (Sun,) studied this question.