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市场调查报告书
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1850260

网路安全保险：市场份额分析、行业趋势、统计数据和成长预测（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

网路安全保险市场预计到 2025 年将达到 204.2 亿美元，到 2030 年将达到 405.5 亿美元，复合年增长率为 14.7%。

网路安全保险-市场-IMG1

强劲的需求主要受欧盟《数位和营运弹性法案》(DORA) 和美国证券交易委员会 (SEC) 四天揭露规则等日益严格的监管法规所推动。此外，勒索软体攻击激增（目前平均每 11 秒发生一次）、董事会层级要求提供可量化的网路风险指标，以及旨在缩短中小企业 (SME) 理赔时间的新型参数化产品也正在蓬勃发展。对云端（尤其是混合云和多供应商架构）的日益依赖，迫使保险公司改善风险累积管理，而投资者正在尝试使用代币化网路保险关联证券来释放新的投资能力。

全球网路安全保险市场趋势与洞察

以云端数位化增加了网路安全风险

向云端架构的转型扩大了攻击面，并加剧了系统中断的风险。 2024 年 CrowdStrike 软体故障导致 54 亿美元的经济损失，并表明单一服务提供者的故障可能引发数千起同时发生的索赔。慕尼黑再保险公司针对此推出了名为 Cloud Protection+ 的产品，用于 Google Cloud 工作负载，以承保与服务供应商故障相关的业务中断损失。医疗保健云端系统中的人为错误事件增加了 13%，占各行业资料外洩事件的 58%。保险公司现在要求在提供保险之前，必须进行多因素身份验证并提供加固配置的证据。

强制性法规导致责任增加

DORA要求欧盟金融机构在四小时内通报重大网路安全事件，而美国上市公司在四天内揭露相关资讯。拉丁美洲的情况也与此类似。 75%的内部审核负责人表示，由于监管审查力道加大，网路安全是他们面临的最大风险。保险公司正在延长保险期限，以支付补救费用和持续的合规监控成本。

数学数据的匮乏和建模的不确定性

网路损失缺乏像自然灾害那样的长期时间序列数据，这削弱了尾部风险模型的可靠性。营运商正在投资开发整合即时威胁情报的专有平台，但在新兴市场，由于资料外洩报告机制有限，仍有差距。

細項分析

受业务中断、事件回应和资料重建成本索赔的推动，第一方责任险在2024年将维持42.7%的市场份额。随着诉讼和监管处罚加大，以及董事会购买更高保额，第三方责任保险的复合年增长率将达到14.9%。製造商越来越多地选择涵盖业务中断和下游供应链责任的混合型保险，这反映出单一资料外洩事件可能同时造成内部损失和客户损失。

将「第一保障」和「第三方保障」捆绑在一起的保险方案对寻求简化管理的医疗保健和关键基础设施买家颇具吸引力。医院更倾向于将违反 HIPAA 规定的罚款和赎金赔偿合併在一起的保险方案，以确保营运风险和法律风险之间不存在保障缺口。保险公司正在完善保单条款，以明确与第三方 IT 供应商相关的或有业务中断事件的承保范围。

预计到2024年，独立保单将占网路安全保险市场规模的53.9%，年复合成长率达15.4%。这是因为财产和产物保险缺乏针对勒索软体、云端服务中断和社会工程攻击触发因素的条款。专用保单允许保险公司纳入更精细的扫描资料和动态批单，并可使用演算法核保机器人将週转时间缩短至几小时。

对于寻求简化营运的中型企业而言，基于附加条款的解决方案仍然具有吸引力。然而，独立条款的弹性支持新增加密劫持保障和自愿停业补偿等附加元件。保险科技公司 At-Bay 和 Cowbell 实施的自动化报价系统降低了分销成本并提高了定价准确性，从而巩固了独立模式的领先地位。

网路安全保险市场按承保类型（第一方责任险、第三方责任险、捆绑/混合型保险）、保险类型（独立网路安全险、组合险/附加险）、企业规模（中小企业、大型企业）、终端用户行业（银行、金融服务和保险、医疗保健、零售、电子商务等）以及地区进行细分。市场预测以美元（USD）计价。

区域分析

由于资讯揭露标准成熟、精算资料丰富、仲介、再保险公司和资本市场替代方案（例如2024年发行的5.75亿美元网路灾难债券）等因素，北美在2024年维持了36.2%的保费份额。然而，战争风险除外条款和关键基础设施保险的总额上限仍然是癥结所在，引发了关于联邦担保计划的讨论。

亚太地区预计到2030年将以16.7%的复合年增长率快速成长。中国的数据主权规则、日本的製造业整合以及印度蓬勃发展的金融科技产业将扩大该地区的风险池。全球通讯业者的市场准入以及本地能力的提升正在缩小保障缺口，儘管目前只有15%的合格的机构购买了保险。

在GDPR和DORA的推动下，欧洲正保持稳定成长。伦敦市场正在为产能提供支持，而德国和法国正在加速Mittelstandard製造地的采用。成员国之间分散的法规使跨国公司的保险投保变得复杂，但参数型中小企业保险正逐渐成为统一的解决方案。北欧国家作为数位化领域的领导者，正将严格的隐私原则与早期采用捆绑式安全和保险产品相结合。

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
  • 调查范围

第二章调查方法

第三章执行摘要

第四章 市场状况

  • 市场概况
  • 市场驱动因素
    • 以云端数位化会增加网路损失的风险
    • 监管义务（GDPR、纽约州金融服务部法规、DORA、美国证券交易委员会规则）增加了责任。
    • 董事会层级关注量化网路风险
    • 为中小企业推出低成本参数化保险丝盒
    • 「InsurSec」是一家集保全服务和保险于一体的公司。
    • 代币化网路保险系统获得新的容量
  • 市场限制
    • 精算资料短缺与模型不确定性
    • 高昂的保险费和维护标准阻碍了中小企业进入市场。
    • 合约战争和系统风险排除
    • 关键基础设施风险的再保险能力限制
  • 供应链分析
  • 监管现状和行业指南
  • 技术展望（人工智慧核保、巨灾模型、区块链参数化）
  • 波特五力分析
    • 新进入者的威胁
    • 买方的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争
  • 对宏观经济趋势的市场评估

第五章 市场规模与成长预测

  • 按补偿类型
    • 第一方报道
    • 第三方责任
    • 捆绑式/混合式
  • 按保险类型
    • 独立网路
    • 套餐/推荐
  • 按公司规模
    • 小型企业
    • 大公司
  • 按最终用户产业
    • BFSI
    • 卫生保健
    • 零售与电子商务
    • 资讯科技和通讯
    • 製造业
    • 政府和公共部门
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
      • 墨西哥
    • 南美洲
      • 巴西
      • 阿根廷
      • 其他南美
    • 欧洲
      • 英国
      • 德国
      • 法国
      • 瑞典
      • 其他欧洲地区
    • 亚太地区
      • 中国
      • 日本
      • 印度
      • 澳洲
      • 韩国
      • 其他亚太地区
    • 中东和非洲
      • 沙乌地阿拉伯
      • 阿拉伯聯合大公国
      • 土耳其
      • 南非
      • 其他中东和非洲地区

第六章 竞争情势

  • 市场集中度
  • 策略趋势
  • 市占率分析
  • 公司简介
    • American International Group（AIG）
    • Chubb
    • Zurich
    • AXA XL
    • Allianz（AGCS）
    • Beazley
    • Munich Re
    • Berkshire Hathaway
    • Travelers
    • CNA
    • Hiscox
    • AXIS Capital
    • Tokio Marine
    • Sompo
    • Aon
    • Marsh McLennan
    • Lockton
    • Insureon
    • Coalition
    • SecurityScorecard

第七章 市场机会与未来展望

简介目录
Product Code: 59174

The cybersecurity insurance market stands at USD 20.42 billion in 2025 and is forecast to reach USD 40.55 billion by 2030, translating into a 14.7% CAGR.

Cybersecurity Insurance - Market - IMG1

Strong demand stems from regulatory mandates such as the EU's Digital Operational Resilience Act (DORA) and the United States Securities and Exchange Commission (SEC) four-day disclosure rule, both of which push companies to secure balance-sheet protection against fines and operational losses. Additional momentum comes from the surge in ransomware now striking every 11 seconds board-level demand for quantified cyber-risk metrics, and new parametric offerings that cut claims settlement time for small and medium enterprises (SMEs). Rising cloud reliance, especially hybrid and multi-vendor architectures, is forcing insurers to refine accumulation controls, while investors experiment with tokenized cyber insurance-linked securities to unlock fresh capacity.

Global Cybersecurity Insurance Market Trends and Insights

Cloud-First Digitalization Upsizes Cyber-Loss Exposure

Migration to cloud architectures enlarges the attack surface and amplifies systemic outage risk. The 2024 CrowdStrike software failure generated USD 5.4 billion in economic losses and exposed how a single provider disruption can trigger thousands of simultaneous claims. Munich Re responded with Cloud Protection+, a product targeted at Google Cloud workloads that reimburses business-interruption losses tied to provider outages. Hybrid environments heighten complexity, while human-error incidents in healthcare cloud systems rose 13%, representing 58% of sector breaches. Insurers now require multi-factor authentication and evidence of hardened configurations before binding cover.

Regulatory Mandates Raise Liability Stakes

DORA obliges EU financial institutions to report material cyber incidents within 4 hours, and the SEC stipulates a 4-day disclosure for U.S.-listed firms, creating twin obligations for multinationals.Non-EU vendors serving European banks must also comply, widening the addressable pool for coverage. Latin America mirrors the trend; 75% of internal-audit leaders rank cyber as the top risk due to escalating regulatory scrutiny. Insurers are adding extensions that fund remediation costs and ongoing compliance monitoring.

Actuarial Data Scarcity and Modeling Uncertainty

Cyber losses lack the long time series seen in natural-catastrophe lines, hampering credibility of tail-risk models; correlated events magnify pricing error. Carriers are investing in proprietary platforms that ingest real-time threat-intelligence, yet gaps persist in emerging markets where breach reporting is limited.

Other drivers and restraints analyzed in the detailed report include:

  1. Board-Level Focus on Quantifying Cyber Risk
  2. SME-Specific Low-Cost Parametric Covers Emerging
  3. High Premium and Retention Levels Deter SMEs

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

First-party coverage retained a 42.7% cybersecurity insurance market share in 2024, driven by claims for business-interruption, incident-response, and data-rebuild costs. Third-party liability is accelerating at a 14.9% CAGR as litigation and regulatory penalties rise, nudging boards to buy higher limits. Manufacturers increasingly opt for blended policies that address operational disruption and downstream supply-chain liability, reflecting how a single breach can trigger both internal and customer losses.

Bundled covers that merge first- and third-party protections appeal to healthcare and critical-infrastructure buyers seeking streamlined administration. Hospitals favor packages that wrap HIPAA violation fines with ransom-payment reimbursement, ensuring no gaps between operational and legal exposures. Underwriters, for their part, are refining policy language to clarify coverage for contingent-business-interruption events tied to third-party IT vendors.

Stand-alone contracts captured 53.9% of the cybersecurity insurance market size in 2024 and will expand at 15.4% CAGR because property-and-casualty riders lack the parameters to address ransomware, cloud-outage, or social-engineering triggers. Dedicated forms let carriers incorporate granular scanning data and dynamic endorsements, offering turnaround times of a few hours via algorithmic underwriting bots.

Endorsement-based solutions still appeal to mid-market buyers wanting administrative simplicity. Yet the flexibility of stand-alone wording supports emerging add-ons such as cryptojacking cover or voluntary shutdown reimbursement. Automated quote systems deployed by InsurTechs At-Bay and Cowbell cut distribution costs and increase pricing accuracy, reinforcing the stand-alone model's leadership.

Cyber Security and Insurance Market is Segmented by Coverage Type (First-Party Coverage, Third-Party Liability, and Bundled/Hybrid), Insurance Type (Stand-Alone Cyber and Packaged/Endorsement), Organization Size (SMEs and Large Enterprises), End-User Industry (BFSI, Healthcare, Retail and E-Commerce, and More), by Geography. The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

North America retained 36.2% of 2024 premium thanks to mature disclosure norms, deep actuarial datasets, and a robust ecosystem of brokers, reinsurers, and capital-markets alternatives such as the USD 575 million of cyber catastrophe bonds issued in 2024. However, war-risk exclusions and aggregation caps on critical-infrastructure covers remain sticking points, prompting debate over federal backstop programmes.

Asia-Pacific posts the fastest 16.7% CAGR through 2030. China's data-sovereignty rules, Japan's manufacturing integration, and India's booming fintech sector enlarge the region's risk pool. Market entry by global carriers plus rising local capacity are shrinking the protection gap, though only 15% of eligible organisations currently buy cover.

Europe enjoys stable growth underpinned by GDPR and DORA. London's market anchors capacity, and Germany along with France accelerate adoption within the Mittelstand manufacturing base. Fragmented member-state rules complicate multinational placement, but parametric SME covers emerge as a unifying solution. Nordic countries, already digital leaders, combine strong privacy ethos with early uptake of bundled security-plus-insurance products.

  1. American International Group (AIG)
  2. Chubb
  3. Zurich
  4. AXA XL
  5. Allianz (AGCS)
  6. Beazley
  7. Munich Re
  8. Berkshire Hathaway
  9. Travelers
  10. CNA
  11. Hiscox
  12. AXIS Capital
  13. Tokio Marine
  14. Sompo
  15. Aon
  16. Marsh McLennan
  17. Lockton
  18. Insureon
  19. Coalition
  20. SecurityScorecard

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 LANDSCAPE

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Cloud-first digitalization upsizes cyber-loss exposure
    • 4.2.2 Regulatory mandates (GDPR, NY DFS, DORA, SEC rules) raise liability
    • 4.2.3 Board-level focus on quantifying cyber risk
    • 4.2.4 SME-specific low-cost parametric covers emerging
    • 4.2.5 "InsurSec" models bundling security services and cover
    • 4.2.6 Tokenized cyber ILS attracting new capacity
  • 4.3 Market Restraints
    • 4.3.1 Actuarial data scarcity and modeling uncertainty
    • 4.3.2 High premium and retention levels deter SMEs
    • 4.3.3 Contractual war and systemic-risk exclusions
    • 4.3.4 Reinsurance capacity caps for critical-infra risks
  • 4.4 Supply-Chain Analysis
  • 4.5 Regulatory Landscape and Industry Guidelines
  • 4.6 Technological Outlook (AI underwriting, CAT models, blockchain parametrics)
  • 4.7 Porter's Five Force Analysis
    • 4.7.1 Threat of New Entrants
    • 4.7.2 Bargaining Power of Buyers
    • 4.7.3 Bargaining Power of Suppliers
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry
  • 4.8 Assesment of Macroeconomic Trends on the Market

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

  • 5.1 By Coverage Type
    • 5.1.1 First-party Coverage
    • 5.1.2 Third-party Liability
    • 5.1.3 Bundled/Hybrid
  • 5.2 By Insurance Type
    • 5.2.1 Stand-alone Cyber
    • 5.2.2 Packaged/Endorsement
  • 5.3 By Organisation Size
    • 5.3.1 Small and Medium Enterprises (SMEs)
    • 5.3.2 Large Enterprises
  • 5.4 By End-user Industry
    • 5.4.1 BFSI
    • 5.4.2 Healthcare
    • 5.4.3 Retail and e-Commerce
    • 5.4.4 IT and Telecom
    • 5.4.5 Manufacturing
    • 5.4.6 Government and Public Sector
  • 5.5 By Geography
    • 5.5.1 North America
      • 5.5.1.1 United States
      • 5.5.1.2 Canada
      • 5.5.1.3 Mexico
    • 5.5.2 South America
      • 5.5.2.1 Brazil
      • 5.5.2.2 Argentina
      • 5.5.2.3 Rest of South America
    • 5.5.3 Europe
      • 5.5.3.1 United Kingdom
      • 5.5.3.2 Germany
      • 5.5.3.3 France
      • 5.5.3.4 Sweden
      • 5.5.3.5 Rest of Europe
    • 5.5.4 Asia-Pacific
      • 5.5.4.1 China
      • 5.5.4.2 Japan
      • 5.5.4.3 India
      • 5.5.4.4 Australia
      • 5.5.4.5 South Korea
      • 5.5.4.6 Rest of Asia-Pacific
    • 5.5.5 Middle East and Africa
      • 5.5.5.1 Saudi Arabia
      • 5.5.5.2 United Arab Emirates
      • 5.5.5.3 Turkey
      • 5.5.5.4 South Africa
      • 5.5.5.5 Rest of Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
    • 6.4.1 American International Group (AIG)
    • 6.4.2 Chubb
    • 6.4.3 Zurich
    • 6.4.4 AXA XL
    • 6.4.5 Allianz (AGCS)
    • 6.4.6 Beazley
    • 6.4.7 Munich Re
    • 6.4.8 Berkshire Hathaway
    • 6.4.9 Travelers
    • 6.4.10 CNA
    • 6.4.11 Hiscox
    • 6.4.12 AXIS Capital
    • 6.4.13 Tokio Marine
    • 6.4.14 Sompo
    • 6.4.15 Aon
    • 6.4.16 Marsh McLennan
    • 6.4.17 Lockton
    • 6.4.18 Insureon
    • 6.4.19 Coalition
    • 6.4.20 SecurityScorecard

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-space and Unmet-need Assessment