Das Cyber-Schaden-Paradoxon 2026: Mehr Vorfälle, höhere Schäden
'Cyber insurance claims frequency dropped 53% in early 2025 but average severity doubled for large accounts. What the data means for underwriters pricing risk in 2026.'
Das Cyber-Schaden-Paradoxon 2026: Mehr Vorfälle, höhere Schäden.
Zusammenfassung
This is the severity paradox. Fewer fires, but each one burns the house down.
What the Claims Data Actually Shows
Kernpunkte
- KI und regulative Anforderungen verändern das Cyber-Underwriting grundlegend
- NIS2 und DORA schaffen neue Pflichten und neue Deckungsanforderungen
- Underwriter müssen Risikomodelle anpassen und neue Schadenszenarien berücksichtigen
Praktische Schritte
- Risikomodelle aktualisieren
- Deckungskonzepte überprüfen
- Kunden proaktiv beraten
Weitere Analyse: Cyber-Risikorechner | FAIR-Report | NIS2-Checker
Michael Guiao Michael Guiao gründete Resiliently AI und schreibt Resiliently. Er hat CISM, CCSP, CISA und DPO-Zertifizierungen — aber sie verfallen lassen, denn im Zeitalter von KI ist Wissen billig. Worauf es ankommt, ist Urteilskraft — und die kommt aus acht Jahren Praxis bei Zurich, Sompo, AXA und PwC.
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