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市场调查报告书
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1687276

网路安全保险-市场占有率分析、行业趋势和统计、成长预测（2025-2030 年）

Cybersecurity Insurance - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

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简介目录

网路安全保险市场规模预计在 2025 年为 192.6 亿美元，预计到 2030 年将达到 473.8 亿美元，预测期内（2025-2030 年）的复合年增长率为 19.72%。

网路安全保险-市场-IMG1

数位化以及云端运算、巨量资料、物联网、人工智慧 (AI) 和商业和社会中万物互联的快速发展，正在增加本已捉襟见肘的 IT 团队的工作量。

关键亮点

  • 资讯科技、通讯技术和智慧型能源的进步正在改变每个国家关键基础设施和商业网路的格局。然而，随着科技的快速发展，威胁也随之迅速演变。个人资讯很有价值，这促使网路犯罪分子实施犯罪，在暗网上出售信用卡号、身分证和医疗记录等个人资讯。这是推动网路安全需求增加的少数因素之一。
  • 云端运算是当今发展最快的技术之一，它消除了 IT 领域的传统界限，创造了新的市场，刺激了行动趋势，并推动了整合通讯的进步。许多科技相关人员和组织正在转向新的保险模式，以减轻在现代网路安全领域储存敏感资料的风险。
  • 随着网路安全保险领域的不断成熟，保险公司可能会在评级中考虑更广泛的安全控制和技术。因此，组织资料的敏感度等级及其充分隐藏资料的能力将在决定其整体风险方面发挥关键作用，这推动了微遮蔽等新技术的采用。微阴影技术将资料分解为个位数字节片段，对其进行污染，并将片段分布到多个位置，从而减少攻击面并消除资料机密性。
  • 网路保险单和业务涵盖了广泛的风险，保险公司并不总是就承保哪些损失事件达成一致。网路事件具有一些特点，使得制定全面的保险政策变得困难，包括有限的损失历史记录、历史资料在预测未来事件方面的不可靠性，以及跨公司和行业损失高度相关的大规模攻击的可能性。
  • 此外，保险公司仍在努力製定有关网路攻击和物联网等新技术影响的准确而精确的标准。如果发生重大网路攻击，而没有明确定义风险并了解对保险公司的影响，网路保险覆盖可能会无效，企业可能会遭受重大损失。

网路安全保险市场趋势

预计 BFSI 部门将占主要份额

  • BFSI 产业是面临大量资料外洩和网路攻击的关键基础设施领域之一。网路犯罪分子正在优化各种恶意网路攻击，以破坏金融业。这是因为金融业有着极为丰厚的营运模式，可以产生惊人的利润，而且具有风险相对较低、易于检测的优势。
  • 木马、ATM、勒索软体、资料外洩、组织入侵、资料窃盗、财务外洩和其他威胁都是此类攻击的威胁情势的一部分，进一步增加了 BFSI 领域对网路安全保险的需求。
  • 例如，根据Orange的资料，恶意软体是2021年10月至2022年9月期间针对金融和保险组织最常见的网路攻击。这种攻击媒介针对的是全球超过40%的组织。网路和应用程式异常位居第二，有 23% 的组织报告了此类网路攻击，其次是系统异常，占 20%。
  • 网路安全保险正在成为银行和金融机构的必需品。预计预测期内该产业将占据全球市场的很大份额。由于 BFSI 行业是受到严格监管和控制的行业之一，并且容易发生身份诈骗，因此该行业对网路安全保险市场的需求正在进一步增加。
  • 随着安全漏洞的增加，银行和金融机构需要实施网路安全保险来保护客户的资料并防止财务损失。例如，2021 年 12 月，加密交易平台 Bitmart 发生重大安全漏洞，骇客窃取了约 2 亿美元的资产。被窃的私钥是这次安全漏洞的主要来源，影响了以太坊和币安创新链上的两个热钱包。

预计美国将在北美地区占据主要份额。

  • 美国被认为是全球最突出的网路安全保险市场。此外，该国市场上有许多主要企业，这也有助于该国拥有较高的市场份额。
  • 美国网路攻击急剧增加，达到历史最高水准。这主要是由于该地区连网设备数量的快速增长。在美国，许多行动应用程式都预先安装了个人讯息，以帮助消费者使用公共云端进行银行业务、购物、通讯等。
  • 据白宫经济顾问委员会称，美国经济每年因有害网路活动损失约 570 亿美元至 1,090 亿美元。为了最大限度地减少网路攻击造成的损失，网路安全保险提供者提供的解决方案至关重要，这推动了该地区对网路安全保险的需求。
  • 近年来，该地区的资料外洩事件屡见不鲜。根据身分盗窃资源中心2022年发布的报告，记录了1,789起资料外洩事件。资料外洩事件频繁，促使各行各业的组织选择网路安全保险，从而推动市场成长。
  • 美国政府签署立法，成立网路安全和基础设施安全局（CISA），以加强对网路攻击的防御。 CISA 与联邦政府合作，提供网路安全工具、事件回应服务和评估能力，以保护支援合作机构关键业务的政府网路。因此，它将为新企业和现有企业投资于专为该行业设计的网路安全套件开闢新的途径。

网路安全保险产业概览

网路安全保险市场适度整合，主要参与企业提供卓越的技术并透过现有的分销管道推动成长。这些技术领导者正在投资创新、合併、收购和伙伴关係活动，以保持市场竞争力。

  • 2023 年 2 月－CloudCover Re 与保险仲介Hylant Global Captive Solutions（Hylant）合作推出网路安全「租赁专属式」保险计画 CloudCover Cyber​​Cell。该计划适用于协会、亲和性小组和大型企业，允许用户以可控的成本为自保网路风险提供资金。这减少了网路攻击带来的潜在责任风险，并透过提供更广泛的覆盖范围和更低的网路保险成本使企业更容易创造更大的收益。
  • 2022 年 11 月—网路安全公司 Agilicus 和领先的全方位服务保险机构之一 Ridge Canada Cyber​​ Solutions Inc. (RCCS) 联手帮助加拿大中小型企业 (SMB) 获得网路安全保险的资格和收益。

其他福利

  • Excel 格式的市场预测 (ME) 表
  • 3个月的分析师支持

目录

第一章 引言

  • 研究假设和市场定义
  • 研究范围

第二章调查方法

第三章执行摘要

第四章 市场洞察

  • 市场概览
  • 产业价值链分析
  • 产业吸引力-波特五力分析
    • 新进入者的威胁
    • 买家的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争
  • 行业指南和政策
  • COVID-19 市场影响评估

第五章市场动态

  • 市场驱动因素
    • 越来越多地采用云端基础的服务
    • 资料安全漏洞不断增多
  • 市场限制
    • 实施网路保险的难度和高成本

第六章市场区隔

  • 组织规模
    • 中小企业
    • 大型企业
  • 最终用户产业
    • 医疗保健
    • 零售
    • BFSI
    • 资讯科技/通讯
    • 製造业
    • 其他的
  • 地区
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 德国
      • 英国
      • 法国
    • 亚洲
      • 印度
      • 中国
      • 日本
      • 新加坡
      • 澳洲和纽西兰
    • 拉丁美洲
    • 中东和非洲

第七章竞争格局

  • 公司简介
    • American International Group Inc.
    • Zurich Insurance Co. Ltd
    • Aon PLC
    • Lockton Companies Inc.
    • The Chubb Corporation
    • AXA XL
    • Berkshire Hathaway Inc.
    • Insureon
    • Security Scorecard Inc.
    • Allianz Global Corporate & Specialty（AGCS）
    • Munich Re Group

第八章投资分析

第九章 市场机会与未来趋势

简介目录
Product Code: 59174

The Cybersecurity Insurance Market size is estimated at USD 19.26 billion in 2025, and is expected to reach USD 47.38 billion by 2030, at a CAGR of 19.72% during the forecast period (2025-2030).

Cybersecurity Insurance - Market - IMG1

Increasing digitalization and rapid development in the cloud, Big Data, IoT, and artificial intelligence (AI) in business and society and the growing connectivity of everything have increased the workload of already strained IT teams.

Key Highlights

  • IT advances, communication technologies, and the smart energy grid are changing the landscape of all every country's critical infrastructure and business networks. However, with rapidly evolving technology comes rapidly advancing threats. Personal data is valuable, which prompts cybercriminals to commit crimes, where personal information will be sold on the dark web, like a credit card number, identity, medical records, etc. It is among the few factors that have led to an increased demand for cybersecurity.
  • Cloud computing is one of the most rapidly growing recent technologies, eliminating the traditional boundaries of IT, creating new markets, spurring the mobility trend, and enabling advances in unified communications. Various tech stakeholders and organizations are turning to new insurance models to mitigate the risks of storing sensitive data in the modern cybersecurity landscape.
  • As the cybersecurity insurance space continues to mature, insurers will consider a broader range of security controls and technologies in their assessments. Hence, the sensitivity level of an organization's data and its ability to adequately obscure it will play a key role in determining the overall risk, which is driving the adoption of new technologies like micro shading. Microsharding technology breaks data into fragments that can be as small as single-digit bytes before polluting and distributing shards to multiple locations to reduce the attack surface and eliminate data sensitivity.
  • Cyber insurance policies and businesses cover a wide range of risks, and insurers do not always agree on which loss events are covered. Cyber events have characteristics that make it challenging to write comprehensive policies, such as limited loss history, the unreliability of past data when predicting future events, and the possibility of a large-scale attack with highly correlated losses across companies and industries.
  • Furthermore, insurers are still working on precise and accurate criteria for cyberattacks and the impact of new technologies like the Internet of Things. Cyber insurance coverage could be ineffective and expose firms to considerable damage if big cyberattacks occur without well-defined dangers and an understanding of how they affect insurers.

Cybersecurity Insurance Market Trends

The BFSI Segment is Estimated to Hold a Significant Share

  • The BFSI industry is one of the critical infrastructure segments facing multiple data breaches and cyberattacks, owing to the massive client base that the sector serves and the financial information at stake. Cybercriminals are optimizing myriad diabolical cyberattacks to immobilize the financial industry since it is a highly lucrative operating model with amazing profits and the bonus of relatively little risk and detectability.
  • Trojans, ATMs, ransomware, data breaches, institutional invasion, data thefts, fiscal breaches, and other threats are all part of the threat environment for these attacks, which further necessitated the demand for cybersecurity insurance in the BFSI sector.
  • For instance, according to the data from Orange, the malware was the most frequent form of cyber attack in financial and insurance organizations between October 2021 and September 2022. The attack vector targeted over 40% of the world's organizations. Network and application anomalies came in second, with 23% of organizations reporting such cyberattacks, followed by System anomalies with 20%.
  • Cybersecurity Insurance is increasingly becoming a vital part of banking and financial institutions. The industry is expected to command a significant global market share during the forecast period. It is one of the highly regulated, governed industries and is also prone to identity frauds that augment demand, thus further proliferating the demand for the cybersecurity insurance market in the BFSI sector.
  • With increased security breaches, banks and financial institutes should adopt cybersecurity insurance to safeguard their customers' data and prevent economic losses. For instance, in December 2021, a huge security breach at Bitmart, a crypto trading platform, resulted in hackers removing about USD 200 million in assets. A stolen private key was the primary source of the security compromise, which affected two of its Ethereum and Binance innovative chain hot wallets.

The United States is Expected to Hold the Major Share in the North American Region

  • The United States is considered the world's most prominent cybersecurity insurance market. The country is also home to a significant number of key players operating in the market, which is another reason for the country's high share.
  • Cyberattacks in the United States are rising rapidly and have reached an all-time high, primarily owing to the rapidly increasing number of connected devices in the region. In the United States, consumers are using public clouds, and many of their mobile applications are preloaded with their personal information for the convenience of banking, shopping, communication, etc.
  • According to the White House Council of Economic Advisers, the US economy loses approximately USD 57 billion to USD 109 billion per year to harmful cyber activity. To minimize this loss due to cyber attacks, the solutions offered by cyber security insurance providers are essential, and the demand for cyber security insurance is increasing in the region.
  • The region has been witnessing a significant number of data breaches over the years. According to the report published in 2022 by the Identity Theft Resource Center, 1,789 data breach incidents have been recorded. The high number of data breaches encourages organizations across various industries to opt for cybersecurity insurance, driving the market's growth.
  • The United States government signed the law to establish Cybersecurity and Infrastructure Security Agency (CISA) to enhance the defense against cyber attacks. It works with the federal government to provide cybersecurity tools, incident response services, and assessment capabilities to safeguard the governmental networks that support essential operations of the partner departments and agencies. As a result, it will open new avenues for the new and existing companies to invest in suitable cyber security suite designed for this industry.

Cybersecurity Insurance Industry Overview

The cybersecurity insurance market is moderately consolidated, with significant players offering superior technology and fostering growth through their existing distribution channels. These technology leaders are investing in innovations, mergers, acquisitions, and partnership activities to maintain a competitive edge in the market.

  • February 2023 - CloudCover Re collaborated with insurance brokerage Hylant Global Captive Solutions (Hylant) to launch CloudCover CyberCell, a cybersecurity 'rent-a-captive' insurance program. Available to associations, affinity groups, and large enterprises, the program allows users to finance self-insured cyber risks at a manageable cost. This reduces the potential liability of cyber attacks and facilitates more significant revenue generation for companies, as they can provide cyber insurance at a lower cost and broader coverage.
  • November 2022 - Agilicus, a cybersecurity firm, and Ridge Canada Cyber Solutions Inc.(RCCS), one of the leading managing general insurance agencies, collaborated to assist Canadian small to midsize businesses (SMBs) qualify for and obtain cybersecurity insurance.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Threat of New Entrants
    • 4.3.2 Bargaining Power of Buyers
    • 4.3.3 Bargaining Power of Suppliers
    • 4.3.4 Threat of Substitute Products
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Industry Guidelines and Policies
  • 4.5 Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Adoption of Cloud-based Services
    • 5.1.2 Rising Data Security Breaches
  • 5.2 Market Restraints
    • 5.2.1 Difficulties in Implementing Cyber Insurance and High Costs

6 MARKET SEGMENTATION

  • 6.1 Organization Size
    • 6.1.1 Small and Medium Enterprises (SMEs)
    • 6.1.2 Large Enterprises
  • 6.2 End-user Industry
    • 6.2.1 Healthcare
    • 6.2.2 Retail
    • 6.2.3 BFSI
    • 6.2.4 IT and Telecom
    • 6.2.5 Manufacturing
    • 6.2.6 Other End-user Industries
  • 6.3 Geography
    • 6.3.1 North America
      • 6.3.1.1 United States
      • 6.3.1.2 Canada
    • 6.3.2 Europe
      • 6.3.2.1 Germany
      • 6.3.2.2 United Kingdom
      • 6.3.2.3 France
    • 6.3.3 Asia
      • 6.3.3.1 India
      • 6.3.3.2 China
      • 6.3.3.3 Japan
      • 6.3.3.4 Singapore
      • 6.3.3.5 Australia and New Zealand
    • 6.3.4 Latin America
    • 6.3.5 Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 American International Group Inc.
    • 7.1.2 Zurich Insurance Co. Ltd
    • 7.1.3 Aon PLC
    • 7.1.4 Lockton Companies Inc.
    • 7.1.5 The Chubb Corporation
    • 7.1.6 AXA XL
    • 7.1.7 Berkshire Hathaway Inc.
    • 7.1.8 Insureon
    • 7.1.9 Security Scorecard Inc.
    • 7.1.10 Allianz Global Corporate & Specialty (AGCS)
    • 7.1.11 Munich Re Group

8 INVESTMENT ANALYSIS

9 MARKET OPPORTUNITIES AND FUTURE TRENDS