Cyber

As cybercrime hits $21 billion, personal cyber insurance must pivot from reactive coverage to proactive protection.

As AI adoption outpaces security practices, insurers face a new cyber risk category with concentrated exposures and long-tail claim potential.

Insurance is scaling into cyber, climate and AI risks faster than the first principles of insurability can adapt.

AI-driven discovery of software vulnerabilities at machine speed challenges cyber underwriting models designed for environments where threats evolved gradually.

AI penetration testing transforms annual compliance snapshots into continuous security assurance without sacrificing the depth of manual expert testing.

Independent agents help clients understand cyber liability, but many run their own operations on shared passwords and informal access controls.

Fraud networks exploit multiple digital identities across accounts and websites, making digital entity resolution critical for preventing fraudulent payments.

“Those who seek to commit fraud are often skilled innovators – frequently one step ahead of those tasked with stopping them."