Risks are typically transferred to insurance companies when the probability of an incident is low but the impact is high. Examples include: hurricanes, tornados and earthquakes. Implementing countermeasures may not be the most cost-effective approach to security management. Eliminating the risk may not be possible. Accepting the risk would leave the organization vulnerable to a catastrophic disaster which may cripple or ruin the organization. It would be more cost effective to pay recurring insurance costs than to be affected by a disaster from which the organization cannot financially recover.

Section: INFORMATION RISK MANAGEMENT

Explanation
Web browsers have the capability of authenticating through client-based certificates; nevertheless, it is not commonly used. When using https, servers always authenticate with a certificate and, once the connection is established, confidentiality will be maintained between client and server. By default, web browsers and servers support multiple encryption algorithms and negotiate the best option upon connection.