2025年，美国网络保险公司的直接承保保费在经历两年的下降后恢复了11%的增长，但根据惠誉评级的报告，人工智能的发展带来了一些核保担忧。
惠誉表示，在短期到中期内，由于人工智能工具在网络威胁情报和事件响应方面的应用，漏洞的数量可能会超过补丁的数量。人工智能对网络风险具有特别的颠覆性，因为传统的漏洞分析曾是劳动密集型的，且对研究人员的财务回报有限，而人工智能现在以规模和速度填补了这一空白。这降低了攻击者的门槛，扩大了第三方风险，并可能大幅增加攻击量。
网络市场的增长主要由业务量推动，生效保单增长了35%，抵消了整体价格的疲软。这表明买家对网络风险的意识增强，承保环境也更具竞争性。大型公司仍更有可能拥有网络保险保护，而小型公司则相对滞后。惠誉指出，随着管理层认识到网络事件即使在直接财务损失有限的情况下也会扰乱运营、触发法律责任并损害收入，整体需求有所增强。与此同时，保险公司将继续评估和调整合同语言，将网络安全评估整合到承保中，特别是在涉及战争排除、业务中断和或有损失的条款方面。
U.S. cyber insurers in 2025 reversed a couple of years of decline in direct written premiums to post growth of 11% but, according to Fitch Ratings, there are some underwriting concerns brought on by developments with artificial intelligence.
Fitch said Anthropic’s Mythos model has raised eyebrows in the financial and cybersecurity worlds. In the short to medium term, vulnerabilities will probably outnumber patches as the artificial intelligence tool works on cyber threat intelligence and incident response.
Related: Anthropic Touts AI Cybersecurity Project With Big Tech Partners
“AI is particularly disruptive to cyber risk because traditional vulnerability analysis was labor-intensive and offered limited financial upside for researchers, a gap AI now fills at scale and speed,” said Fitch in its brief on the cyber marketplace on Feb. 15. “This lowers barriers for attackers, expands third-party risks, and could materially increase attack volume.”
Growth in the cyber market was mostly driven by volume, with policies-in-force up 35% to offset soft aggregate pricing. This, said Fitch, indicates a great awareness among buyers of cyber exposures, as well as a competitive underwriting environment. Larger companies are still more likely to have cyber insurance protection while smaller companies lag behind.
Yet, Fitch said, demand overall has “strengthened as boards and management teams recognize that cyber events can disrupt operations, trigger legal liabilities, and impair revenue even when direct financial losses are limited.”
Meanwhile, insurers have and will continue to assess and adjust contract language while integrating cybersecurity assessments into underwriting. Policy wordings related to war exclusions, silent cyber, business interruption, and contingent losses “will be critical,” added Fitch. A more detailed look at the cyber market is expected this summer, said the credit-rating agency.
Topics
InsurTech
Data Driven
Cyber
Artificial Intelligence
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