Enhancing the availability of data for cyber insurance underwriting the role of public policy and regulation

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      <subfield code="a">The increased reliance on digital technologies has led to increasing digital security and privacy risks and the emergence of a cyber insurance market to provide policyholders with financial protection against many of those risks. The stand-alone cyber insurance market has grown rapidly in recent years and surveys have found an increase in take-up among both large and small businesses. However, despite the growth in premium volume and take-up, the affirmative cyber insurance market remains small relative to other commercial insurance business lines. In 2018, the OECD organised a Conference on Unleashing the potential of the cyber insurance market1 with a view to building some consensus around how different stakeholders could contribute to addressing the main challenges to the market's development. The inability to adequately quantify exposure to cyber risks is commonly understood to be one of the most significant impediments to the development of the cyber insurance market. This limits both insurance buyers' understanding of their insurance needs and insurance companies' willingness to extend significant coverage for cyber risks.</subfield>
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