市场调查报告书
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1466351
网路安全保险市场:保险风险范围、产品、合规要求、保险类型、组织规模和最终用户 - 2024-2030 年全球预测Cybersecurity Insurance Market by Insurance Risk Coverage (Data Breach, Data Liability), Offering (Service, Solution), Compliance Requirement, Insurance Type, Organization Size, End User - Global Forecast 2024-2030 |
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预计2023年网路安全保险市场规模为166.6亿美元,预计2024年将达183.1亿美元,2030年将达294亿美元,复合年增长率为8.45%。
网路安全保险是一种专门的、利基类型的保险,旨在降低与数位业务和线上存在相关的风险。网路安全保险可以承保事件回应费用、法律费用、监管罚款、赎金以及与通知受影响客户和恢復个人资料相关的费用。数位环境的不断发展使企业面临各种网路威胁,包括由于骇客、勒索软体和分散式阻断服务 (DDoS) 攻击等恶意行为导致的资料外洩、网路损坏和业务中断。围绕资料隐私的监管要求要求资料保护和事件报告,进一步推动了对保险解决方案的需求。然而,申请付款、付款标准不公平以及保险诈骗行为阻碍了网路安全保险的普及。此外,网路安全保险范围不标准化,给最终用户选择合适的保险带来了麻烦。然而,领先的供应商正在探索人工智慧、机器学习和巨量资料分析技术等先进技术的集成,以标准化、简化和提高网路安全保单部署的准确性。此外,世界各地的管治机构正在推出法规,强制要求网路安全保险。
主要市场统计 | |
---|---|
基准年[2023] | 166.6亿美元 |
预测年份 [2024] | 183.1亿美元 |
预测年份 [2030] | 294亿美元 |
复合年增长率(%) | 8.45% |
保险风险承保 针对现有技术机构的勒索软体攻击增加
资料外洩保险旨在保护组织免受与资讯安全外洩相关的成本。这些成本的范围从了解损害程度的调查措施到危机管理工作、法律成本和监管处罚。资料遗失是指组织内部或外部的人员或流程有意或无意地破坏关键资料或资讯。资料遗失保险提供了针对关键业务资料意外遗失的财务安全网。这包括各种情况,从硬体故障到设备遗失或被盗。拒绝服务 (DoS) 攻击是一种恶意尝试,试图压垮线上或数位服务,使其无法使用。涵盖拒绝服务 (DoS) 攻击和相关停机时间的保险专门解决了与这些恶意事件导致的业务服务中断相关的风险。该保险涵盖与攻击缓解、系统恢復和公共关係策略相关的成本,以减轻对公司声誉的影响。勒索软体是一种恶意软体,旨在阻止使用者或组织存取其电脑上的檔案。勒索软体攻击保险涵盖与回应此类攻击并从中恢復相关的成本。如果公司因其係统资料外洩而遭受财务或法律损失,资料责任险将承担与第三方法律诉讼相关的费用。
提供:随着网路安全保险服务需求的不断增长,确保业务和 IT 营运的安全
网路安全保险服务通常包括责任保险,以保护您的组织免受因资料外洩造成的索赔。这包括与法律辩护、客户通知、信用监控、罚款和处罚相关的费用。网路安全保险分析平台提供对保险公司有利的资料分析功能。提供可能影响保险公司业务的网路安全风险的重要见解。该平台利用先进的演算法和资料丰富的云端资源来预测潜在的网路安全威胁并准确量化其潜在的财务影响。灾难復原 (DR) 和业务永续营运(BC) 是全面网路安全策略的互补但又不同的方面。 DR 专注于在网路攻击后将关键IT基础设施和系统恢復正常运行,而 BC 则专注于确保事件发生后关键业务继续进行,且干扰最小。网路安全保险咨询和咨询是供应商和客户应对数位威胁和机会的关键解决方案。咨询和咨询解决方案可以透过提供对市场环境的洞察、识别潜在客户需求并推荐强有力的安全措施来提高整体客户满意度和行业信誉。安全意识提升培训为员工和客户提供预防和减轻资料外洩和网路攻击的知识和工具。
合规性要求:医疗保健合规性是必要的,因为各种医疗保健环境会产生关键的患者资料。
资料隐私合规性要求确保公司保密并限制对敏感客户资讯的未授权存取。这些规范由不同的国家和国际法律管辖,要求建立强大的资料安全基础设施,并配备定期审核、资料保护和资料外洩处理程序。金融服务和机构受到一系列法规的管辖,这些法规要求保险公司保存详细的财务记录,制定强有力的风险管理策略,准确报告并与相关人员。违规可能会导致处罚、诉讼和商誉损失。 《一般资料保护规范》(GDPR) 是欧盟的资料保护和隐私法,也适用于欧盟 (EU) 以外的个人资料出口。遵守 GDPR 要求公司在收集或共用个人资料之前获得同意,并且有责任保护资料免遭不当处理或洩露。医疗保健合规性主要指《健康保险互通性与课责法案》(HIPAA)。合规性包括确保患者资料的安全和保护患者隐私。
组织规模 由于先进的 IT 结构,大公司需要网路安全保险
大型、成熟的公司持有高价值的数位资产和客户资料,这使它们成为网路犯罪分子的有吸引力的目标。由于IT基础设施的复杂性,有效的网路安全保险对于防止财务损失和确保业务连续性至关重要。大公司的网路安全保险计划通常包括系统维修或更换、法律费用、公共关係以及因监管不合规而产生的处罚等责任。另一方面,小型企业可能没有大公司那样的财务资源或广泛的网路安全措施,这使得它们更容易受到网路威胁。小型企业的网路安全保险往往较不复杂,包括资料復原、客户通知、信用监控,有时还包括勒索软体攻击等。
区域洞察
美国对网路安全保险的高需求源自于对网路风险的高度认知以及各大保险公司的存在。由于美国和加拿大先进的数位基础设施和不断增加的网路事件数量,美国和加拿大的企业更愿意购买网路安全保险。拥有成熟且强大技术的公司的存在也增加了提供网路安全保险的需求。在《一般资料保护规范》(GDPR) 以及对资料安全和隐私外洩后果的日益关注的推动下,欧洲网路安全保险市场正在稳步增长。英国、德国和法国等欧洲国家对网路保险的需求正在激增。欧洲地区的另一个特征是采用公私合作方式来发展网路弹性。亚太地区的网路安全保险呈现高成长率。在该地区,由于网路攻击的增加和法规环境的不断变化,对网路安全保险的需求正在增加,特别是在日本、澳洲和新加坡等国家。中国和印度拥有不断发展的数位基础设施、不断发展的科技新兴企业生态系统和中小企业,提供了巨大的成长机会。
FPNV定位矩阵
FPNV 定位矩阵对于评估网路安全保险市场至关重要。我们检视与业务策略和产品满意度相关的关键指标,以对供应商进行全面评估。这种深入的分析使用户能够根据自己的要求做出明智的决策。根据评估,供应商被分为四个成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市场占有率分析
市场占有率分析是一种综合工具,可以对网路安全保险市场供应商的现状进行深入而深入的研究。全面比较和分析供应商在整体收益、基本客群和其他关键指标方面的贡献,以便更好地了解公司的绩效及其在争夺市场占有率时面临的挑战。此外,该分析还提供了对该行业竞争特征的宝贵见解,包括在研究基准年观察到的累积、分散主导地位和合併特征等因素。详细程度的提高使供应商能够做出更明智的决策并制定有效的策略,从而在市场上获得竞争优势。
1. 市场渗透率:提供有关主要企业所服务的市场的全面资讯。
2. 市场开拓:我们深入研究利润丰厚的新兴市场,并分析其在成熟细分市场的渗透率。
3. 市场多元化:提供有关新产品发布、开拓地区、最新发展和投资的详细资讯。
4.竞争评估及资讯:对主要企业的市场占有率、策略、产品、认证、监管状况、专利状况、製造能力等进行综合评估。
5. 产品开发与创新:提供对未来技术、研发活动和突破性产品开发的见解。
1. 网路安全保险市场规模及预测如何?
2.网路安全保险市场预测期间需要考虑投资的产品、细分市场、应用和领域有哪些?
3. 网路安全保险市场的技术趋势和法规结构是什么?
4.网路安全保险市场主要厂商的市场占有率为何?
5. 进入网路安全保险市场的适当型态和策略手段是什么?
[185 Pages Report] The Cybersecurity Insurance Market size was estimated at USD 16.66 billion in 2023 and expected to reach USD 18.31 billion in 2024, at a CAGR 8.45% to reach USD 29.40 billion by 2030.
Cybersecurity insurance is a specialized and niche type of insurance policy designed to mitigate the risks associated with digital operations and online presence. Cybersecurity insurance policies may cover incident response expenses, legal fees, regulatory fines, ransom payments, and costs associated with notifying affected customers and restoring their personal data. Continuous evolutions in the digital landscape have exposed businesses to an array of cyber threats, including data breaches, network damage, and business interruption caused by malicious activities such as hacking, ransomware, and distributed denial-of-service (DDoS) attacks. Regulatory requirements concerning data privacy mandate data protection and incident reporting, further driving the demand for insurance solutions. However, delays in claim settlement, unfair settlement criteria, and fraudulent insurance practices impede the widespread adoption of cybersecurity insurance. Additionally, the lack of standardization for cybersecurity insurance policies can create complications in choosing an appropriate insurance policy for end users. However, major providers are exploring the integration of advanced technologies such as AI, ML, and big data analytics technologies to standardize, streamline, and improve the accuracy of deploying cybersecurity insurance policies. Additionally, governance bodies globally are implementing regulations that mandate the need for cybersecurity insurance.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 16.66 billion |
Estimated Year [2024] | USD 18.31 billion |
Forecast Year [2030] | USD 29.40 billion |
CAGR (%) | 8.45% |
Insurance risk coverage: Rising incidences of ransomware attack on established technological institutions
Data breach insurance intends to safeguard the organization from costs associated with breaches in information security. These costs can extend from investigative measures to understanding the extent of the damage to crisis management initiatives, legal expenses, and regulatory penalties. Data loss refers to the intentional or unintentional destruction of crucial data or information caused by people and or processes from within or outside of an organization. Data loss insurance provides a financial safety net in case of inadvertent loss of vital business data. This includes scenarios that range from malfunctioning hardware to misplaced or stolen devices. A denial-of-service (DoS) attack is a malicious attempt to overwhelm an online or digital service and render it unusable. Insurance policies covering denial of service attacks and associated downtime specifically address the risks associated with interruption of business services due to these malicious events. This coverage includes the costs related to alleviating the attack, recovery of systems, and potential public relations strategies to alleviate the impact on the company's reputation. Ransomware refers to malware designed to deny a user or institution access to files on the computer. Ransomware attack insurance covers the costs associated with responding to and recovering from such an attack. Data liability insurance covers costs associated with legal actions from third parties in the event that a company experiences financial or legal harm as a result of a data breach on its systems.
Offering: Expanding need for cybersecurity insurance services to secure business and IT operations
Services for cybersecurity insurance generally include liability coverage, which safeguards organizations against claims resulting from data breaches. This includes costs related to legal defense, customer notification, credit monitoring, fines, and penalties. Cybersecurity insurance analytics platform offers beneficial data analysis capabilities for insurers. It delivers crucial insights into the potential cybersecurity risks that could impact the insured company's operations. The platform leverages sophisticated algorithms and data-rich cloud resources to predict potential cybersecurity threats and quantify their potential financial impacts accurately. Disaster Recovery (DR) and Business Continuity (BC) are complementary but different aspects of a comprehensive cybersecurity strategy. DR focuses on restoring critical IT infrastructure and systems to regular operation following a cyberattack, while BC concentrates on ensuring that vital business operations continue with minimal disruption post-incident. Cybersecurity insurance consulting and advisory acts as an important solution for both providers and clients navigating through digital threats and opportunities. Consulting and advisory solutions can provide insights about market conditions, identify prospective client needs, and recommend robust security measures to improve overall client satisfaction and industry credibility. Security awareness training involves equipping employees or clients with the knowledge and tools to prevent data breaches and cyber attacks or even mitigate the damage.
Compliance requirement: Generation of critical patient data in various healthcare settings necessitating healthcare compliance
The data privacy compliance requirement ensures that companies are maintaining confidentiality and restricting unauthorized access to sensitive customer information. Diverse local and international laws dictate these norms, making necessary the establishment of a strong data security infrastructure, complete with procedures for regular audits, data protection, and data breach handling. The financial services and institutions are governed by a set of regulations that require insurers to keep detailed financial records, develop robust risk management strategies, deliver accurate reporting, and maintain transparent relations with stakeholders. Noncompliance can lead to financial penalties, litigation, or loss of rights to operate. General Data Protection Regulation (GDPR) is the European Union law on data protection and privacy, also applicable to the export of personal data outside the European Union(EU). GDPR compliance requires companies to always obtain consent before collecting or sharing individuals' data, along with the responsibility to protect that data from mishandling or breaches. Healthcare compliance refers primarily to the Health Insurance Portability and Accountability Act (HIPAA). Compliance includes ensuring patient data security and safeguarding patient privacy.
Organization size: Need for cybersecurity insurance coverage for large enterprises owing to advanced IT structure
Established, large enterprises possess high-value digital assets and customer data, making them attractive targets for cybercriminals. Due to the complex nature of their IT infrastructure, an effective cybersecurity insurance policy is crucial to protect against financial losses and ensure business continuity. Cybersecurity insurance plans for large enterprises usually encompass coverage for liabilities such as system repair and replacement, legal fees, public relations efforts, and penalties arising from regulatory non-compliance. On the other hand, SMEs might not have the same financial resources or extensive cybersecurity measures in place compared to larger corporations, making them susceptible to cyber threats. Cybersecurity insurance for SMEs tends to be less complex, often including coverage for data recovery, customer notification, credit monitoring, and sometimes even ransomware attacks.
Regional Insights
America's high demand for cybersecurity insurance is attributable to the high awareness of cyber risks and the presence of key insurance providers. Corporations in the US and Canada are highly adaptive to cybersecurity insurance policies due to the advanced digital infrastructure and the increased occurrence of cyber incidents. The presence of established and robust technological corporations also necessitates the provision of cybersecurity insurance. The European cybersecurity insurance market is witnessing robust growth, propelled by the General Data Protection Regulation (GDPR), which has heightened focus on data security and the consequences of privacy breaches. European nations, including the United Kingdom, Germany, and France are seeing an upsurge in demand for cyber insurance policies. The European region is also characterized by a collaborative approach between the public and the private sector to develop cyber resilience. The Asia-Pacific region presents a high-growth landscape for cybersecurity insurance. The region is experiencing the need for cybersecurity insurance due to mounting cyberattacks and an evolving regulatory environment, particularly in countries such as Japan, Australia, and Singapore. China and India are characterized by the presence of a nascent and evolving digital infrastructure, advancing technological start-up ecosystem, and small and medium-sized enterprises(SMEs) and offer significant growth opportunities.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Cybersecurity Insurance Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the Cybersecurity Insurance Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the Cybersecurity Insurance Market, highlighting leading vendors and their innovative profiles. These include Accenture PLC, Allianz SE, American International Group, Inc., Arceo.ai by Resilience Cyber Insurance Solutions LLC, Arthur J. Gallagher & Co., AXA XL, Axis Capital Holdings Limited, BCS Insurance Company, Beazley PLC, Bitsight Technologies, Inc., Chubb Limited, Cisco Systems, Inc., CNA Financial Corporation, Coalition, Inc., Corvus Insurance, Fortinet, Inc., HDFC ERGO General Insurance Company Ltd., Hiscox Ltd., Liberty Mutual Group, The Hartford Financial Services Group, Inc., The Travelers Indemnity Company, Tokio Marine Holdings, Inc, and Zurich Insurance Group.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the Cybersecurity Insurance Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Cybersecurity Insurance Market?
3. What are the technology trends and regulatory frameworks in the Cybersecurity Insurance Market?
4. What is the market share of the leading vendors in the Cybersecurity Insurance Market?
5. Which modes and strategic moves are suitable for entering the Cybersecurity Insurance Market?