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How do we best explain the value of insurance products through more digital value chains? Why has cyber, the growth story of the industry, stalled?

24 Feb 2026
Growth, Distribution & Broker Strategy
  • The sustainable development of the cyber insurance market needs to be a joint effort.
  • Industry-wide collaboration is necessary to further increase the penetration of cyber insurance (commercial and personal lines), acknowledging that gaps vary depending on market, segment and industry.
  • Factors that might hinder growth:
    • The current economic situation and uncertainties lead to companies postponing first time purchase of cyber insurance.
    • Lack of subject-matter expertise at broker/agent level.
    • Not sufficient incentives to reach out to new buyers.
    • Not the right distribution channel for the target group.
Industry Expert
Jürgen Reinhart, Chief Underwriter Cyber - Munich Re