Rebooting growth : cyber insurance

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<title>Rebooting growth</title>
<subTitle>: cyber insurance</subTitle>
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<namePart>Howden Group Holdings Limited</namePart>
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<publisher>Howden</publisher>
<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">The report analyzes the current state and future prospects of the cyber insurance market, which is at a turning point due to softening rates and plateauing premium growth. Despite a slowdown in global growth since 2022, the market remains profitable, with strong underwriting margins and increasing demand in underserved regions, particularly in Europe. The report highlights the persistent threat of ransomware, the growing impact of privacy-related claims, and the importance of cyber insurance in enhancing organizational resilience. It emphasizes the need for exposure-led growth, especially among SMEs and international markets, and presents evidence that cyber insurance not only reduces financial losses but also incentivizes better risk management. Survey data from France, Germany, Italy, and Spain reveal significant latent demand and a clear return on investment for policyholders, reinforcing the strategic value of cyber insurance and the urgency of expanding its adoption</abstract>
<tableOfContents displayLabel="Contents">Key takeaways -- Executive summary -- Europe: untapped potential -- An inflection point -- A pervasive threat -- Reining in ransomware -- Cyber cycle -- Rebooting growth -- Unlocking the potential -- Threat landscape -- Risk management matters -- Cyber insurance -- Meet the experts</tableOfContents>
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<topic>Mercado de seguros</topic>
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<topic>Seguro de ciberriesgos</topic>
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<topic>Diversificación de los riesgos</topic>
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<topic>Ciberataques</topic>
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<topic>Riesgo tecnológico mayor</topic>
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<topic>Ransomware</topic>
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<topic>Tendencias</topic>
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<topic>Gerencia de riesgos</topic>
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<geographic>Europa</geographic>
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<url displayLabel="electronic resource" usage="primary display">https://www.howdengroupholdings.com/reports/2025-cyber-report</url>
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