Cyber

The cyber insurance market is at a crossroads. Premiums may be falling and coverage expanding, as insurers broaden terms and provide free add-ons or riders – but this competitive energy hides a tougher reality. Cybercriminals are escalating attacks, targeting managed service providers to amplify damage, while regulators are ramping up enforcement pressure. The real test isn’t navigating today’s competitive pressures, but how insurers can strengthen their portfolios to protect themselves from a system-wide shock.