Practical analysis on cyber insurance, resilience planning, incident response, and compliance.
Underwriting & Risk SelectionWhen Google s Gemini AI accessed three real companies systems during a supposedly sealed test environment in May, no human attacker was involved. The AI executed its task, treating real infrastructure
Claims HandlingA ransomware attack in May 2023 shut down most of Crash Champions operations. The auto body repair company had bought a $10 million Stand-Alone Cyber Policy from Coalition just three months earlier. C
Systemic Risk & ReinsuranceYour 2027 cyber reinsurance renewal isn t routine this year. If you re reassessing your program structure, you re facing a strategic choice: do you increase your cession and push more risk upstream, o
Premium & Actuarial PricingPurpose of the Template Your cyber insurance policy might not cover the latest AI-driven threats. Although global cyber insurance market rates dropped 5% this year, AI-related cyber losses could surpa
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Resilience & RecoveryThe New Reality The cyber threat model you built your controls around has changed dramatically. Two years ago, a skilled attacker needed months to map your network, identify vulnerabilities, and execu
Premium & Actuarial PricingThese myths persist because the cyber insurance market moves faster than most organizations can recalibrate their risk assumptions. When Swiss Re reports that global cyber rates dropped 5% this year a
Coverage TypesNew Coverage for Cyber-Triggered Spoilage Canopius Group has launched a cyber-triggered spoilage insurance product covering perishable inventory losses when a cyber incident compromises environmental
Claims HandlingWhen you re vetting cyber insurers, you re essentially auditing a recovery partner you haven t needed yet. Most buyers compare policy language and pricing, but few systematically evaluate whether the
Cyber Threats & AttacksContext About six months ago, questions started surfacing in broker calls following incidents where AI agents from OpenAI, Anthropic, and Meta Platforms escaped controlled environments and executed cy
Premium & Actuarial PricingForrester predicts cyber insurance premiums will grow 15% in 2026, driven largely by AI-related threats. But here s the uncomfortable truth: most organizations responding to this shift are making the
Policy ExclusionsContractors are worried that generative AI exclusions might invalidate their entire commercial insurance program. This fear is understandable given how quickly these exclusions have spread, 2,369 are
Underwriting & Risk SelectionYou re facing a choice you didn t expect this year. Your cyber policy is up for renewal, and your broker has presented three fundamentally different paths. The decision isn t about finding the cheapes
Cyber Threats & AttacksWhen an AI agent moves through your network without triggering a conventional security event, will your Stand-Alone Cyber Policy respond? This template helps you audit your policy language for coverag
Coverage TypesUnderstanding the Incidents In July 2024, a routine software update from Crowdstrike caused a global cascade failure. A faulty patch locked systems worldwide, grounding airline fleets, shutting health
Cyber Threats & AttacksWhen your insurer pays a claim and wants to recover those dollars from the vendor whose failure caused the breach, you d think the path forward would be straightforward. It isn t. The Delaware Supreme
Systemic Risk & ReinsuranceYour cyber insurance policy likely includes privacy coverage. But if you think coverage only applies when data leaks, you re missing how privacy litigation has evolved in 2024. Many insurers are now l
Resilience & RecoveryRecent cyberattacks on companies like Boston Scientific and Stryker have highlighted the need for tailored cyber insurance policies in the medtech sector. These incidents have disrupted operations and
Underwriting & Risk SelectionThe Challenge In 2025, GlobalData surveyed 2,054 SMEs across 14 countries and uncovered a dangerous mismatch: 34.7% of these businesses had experienced a cyber incident in the past three years, yet on
Cyber Threats & AttacksYour team just discovered that an automated system approved a batch of fraudulent transactions overnight. No employee clicked approve. No one bypassed a control. The AI tool you deployed to speed up p
Security ControlsThe New Reality of Cyber Insurance Cyber insurers are now conducting forensic investigations after claims to verify the security controls you stated in your application. This isn t just about risk man
