Rapidly changing perspectives of many branches of the economy, resulting – among others – from global epidemiological and geopolitical threats, tightening regulatory requirements and the expansion of information technologies, increase a sense of uncertainty among entrepreneurs. In today's world, less and less is said about the threat of fires or hurricanes, and more and more about potential financial losses resulting from the conditioning of the new reality. Protecting against them is becoming an existential issue for a growing number of companies.