The cyber insurance landscape has undergone a dramatic transformation since the early 2000s, evolving from coverage for internal bad actors to protection against sophisticated international criminal organizations.

The excess and surplus (E&S) insurance market is experiencing unprecedented growth in the United States, with gross written premiums reaching $19.1 billion in 2024, up from $16.6 billion in 2023. This surge isn't driven by new insurance needs but rather by a mass exodus of traditional admitted carriers from high-risk states like Florida, California, and Texas.

When Nature Overwhelms Markets: The Crisis of Uninsurable Risk in Florida and California

The Global Challenge of Natural Catastrophe Insurance: How Different Countries Navigate Disaster Risk

When Russia invaded Ukraine in February 2022, global media immediately called it a war. Insurance companies, however, paid extremely close attention to the official terminology.

Picture a group of merchants and ship owners gathering in a London coffee house near the harbor in the late 1600s, sharing stories of vessels that sailed out and never returned. These gatherings weren't just social occasions—they were the birthplace of modern insurance.