市場調查報告書
商品編碼
1466351
網路安全保險市場:保險風險範圍、產品、合規要求、保險類型、組織規模和最終用戶 - 2024-2030 年全球預測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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預計2023年網路安全保險市場規模為166.6億美元,預計2024年將達183.1億美元,2030年將達294億美元,複合年成長率為8.45%。
網路安全保險是一種專門的、利基類型的保險,旨在降低與數位業務和線上存在相關的風險。網路安全保險可以承保事件回應費用、法律費用、監管罰款、贖金以及與通知受影響客戶和恢復個人資料相關的費用。數位環境的不斷發展使企業面臨各種網路威脅,包括由於駭客、勒索軟體和分散式阻斷服務 (DDoS) 攻擊等惡意行為導致的資料外洩、網路損壞和業務中斷。圍繞資料隱私的監管要求要求資料保護和事件報告,進一步推動了對保險解決方案的需求。然而,申請付款、付款標準不公平以及保險詐騙行為阻礙了網路安全保險的普及。此外,網路安全保險範圍不標準化,給最終用戶選擇合適的保險帶來了麻煩。然而,領先的供應商正在探索人工智慧、機器學習和巨量資料分析技術等先進技術的整合,以標準化、簡化和提高網路安全保單部署的準確性。此外,世界各地的管治機構正在推出法規,強制要求網路安全保險。
主要市場統計 | |
---|---|
基準年[2023] | 166.6億美元 |
預測年份 [2024] | 183.1億美元 |
預測年份 [2030] | 294億美元 |
複合年成長率(%) | 8.45% |
保險風險承保 針對現有技術機構的勒索軟體攻擊增加
資料外洩保險旨在保護組織免受與資訊安全外洩相關的成本。這些成本的範圍從了解損害程度的調查措施到危機管理工作、法律成本和監管處罰。資料遺失是指組織內部或外部的人員或流程有意或無意地破壞關鍵資料或資訊。資料遺失保險提供了針對關鍵業務資料意外遺失的財務安全網。這包括各種情況,從硬體故障到設備遺失或被盜。拒絕服務 (DoS) 攻擊是一種惡意嘗試,試圖壓垮線上或數位服務,使其無法使用。涵蓋拒絕服務 (DoS) 攻擊和相關停機時間的保險專門解決了與這些惡意事件導致的業務服務中斷相關的風險。該保險涵蓋與攻擊緩解、系統恢復和公共關係策略相關的成本,以減輕對公司聲譽的影響。勒索軟體是一種惡意軟體,旨在阻止使用者或組織存取其電腦上的檔案。勒索軟體攻擊保險涵蓋與回應此類攻擊並從中恢復相關的成本。如果公司因其系統資料外洩而遭受財務或法律損失,資料責任險將承擔與第三方法律訴訟相關的費用。
提供:隨著網路安全保險服務需求的不斷成長,確保業務和 IT 營運的安全
網路安全保險服務通常包括責任保險,以保護您的組織免受因資料外洩造成的索賠。這包括與法律辯護、客戶通知、信用監控、罰款和處罰相關的費用。網路安全保險分析平台提供對保險公司有利的資料分析功能。提供可能影響保險公司業務的網路安全風險的重要見解。該平台利用先進的演算法和資料豐富的雲端資源來預測潛在的網路安全威脅並準確量化其潛在的財務影響。災難復原 (DR) 和業務永續營運(BC) 是全面網路安全策略的互補但又不同的方面。 DR 專注於在網路攻擊後將關鍵IT基礎設施和系統恢復正常運行,而 BC 則專注於確保事件發生後關鍵業務繼續進行,且干擾最小。網路安全保險諮詢和諮詢是供應商和客戶應對數位威脅和機會的關鍵解決方案。諮詢和諮詢解決方案可以透過提供對市場環境的洞察、識別潛在客戶需求並推薦強力的安全措施來提高整體客戶滿意度和行業信譽。安全意識提升培訓為員工和客戶提供預防和減輕資料外洩和網路攻擊的知識和工具。
合規性要求:醫療保健合規性是必要的,因為各種醫療保健環境會產生關鍵的患者資料。
資料隱私合規性要求確保公司保密並限制對敏感客戶資訊的未授權存取。這些規範由不同的國家和國際法律管轄,要求建立強大的資料安全基礎設施,並配備定期審核、資料保護和資料外洩處理程序。金融服務和機構受到一系列法規的管轄,這些法規要求保險公司保存詳細的財務記錄,制定強力的風險管理策略,準確報告並與相關人員。違規可能會導致處罰、訴訟和商譽損失。 《一般資料保護規範》(GDPR) 是歐盟的資料保護和隱私法,也適用於歐盟 (EU) 以外的個人資料出口。遵守 GDPR 要求公司在收集或共用個人資料之前獲得同意,並且有責任保護資料免遭不當處理或洩露。醫療保健合規性主要指《健康保險互通性與課責法案》(HIPAA)。合規性包括確保患者資料的安全和保護患者隱私。
組織規模 由於先進的 IT 結構,大公司需要網路安全保險
大型、成熟的公司持有高價值的數位資產和客戶資料,這使它們成為網路犯罪分子的有吸引力的目標。由於IT基礎設施的複雜性,有效的網路安全保險對於防止財務損失和確保業務連續性至關重要。大公司的網路安全保險計劃通常包括系統維修或更換、法律費用、公共關係以及因監管不合規而產生的處罰等責任。另一方面,小型企業可能沒有大公司那樣的財務資源或廣泛的網路安全措施,這使得它們更容易受到網路威脅。小型企業的網路安全保險往往較不複雜,包括資料復原、客戶通知、信用監控,有時還包括勒索軟體攻擊等。
區域洞察
美國對網路安全保險的高需求源自於對網路風險的高度認知以及各大保險公司的存在。由於美國和加拿大先進的數位基礎設施和不斷增加的網路事件數量,美國和加拿大的企業更願意購買網路安全保險。擁有成熟且強大技術的公司的存在也增加了提供網路安全保險的需求。在《一般資料保護規範》(GDPR) 以及對資料安全和隱私外洩後果的日益關注的推動下,歐洲網路安全保險市場正在穩步成長。英國、德國和法國等歐洲國家對網路保險的需求正在激增。歐洲地區的另一個特徵是採用公私合作方式來發展網路彈性。亞太地區的網路安全保險呈現高成長率。在該地區,由於網路攻擊的增加和法規環境的不斷變化,對網路安全保險的需求正在增加,特別是在日本、澳洲和新加坡等國家。中國和印度擁有不斷發展的數位基礎設施、不斷發展的科技新興企業生態系統和中小企業,提供了巨大的成長機會。
FPNV定位矩陣
FPNV 定位矩陣對於評估網路安全保險市場至關重要。我們檢視與業務策略和產品滿意度相關的關鍵指標,以對供應商進行全面評估。這種深入的分析使用戶能夠根據自己的要求做出明智的決策。根據評估,供應商被分為四個成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市場佔有率分析
市場佔有率分析是一種綜合工具,可以對網路安全保險市場供應商的現狀進行深入而深入的研究。全面比較和分析供應商在整體收益、基本客群和其他關鍵指標方面的貢獻,以便更好地了解公司的績效及其在爭奪市場佔有率時面臨的挑戰。此外,該分析還提供了對該行業競爭特徵的寶貴見解,包括在研究基準年觀察到的累積、分散主導地位和合併特徵等因素。詳細程度的提高使供應商能夠做出更明智的決策並制定有效的策略,從而在市場上獲得競爭優勢。
1. 市場滲透率:提供有關主要企業所服務的市場的全面資訊。
2. 市場開拓:我們深入研究利潤豐厚的新興市場,並分析其在成熟細分市場的滲透率。
3. 市場多元化:提供有關新產品發布、開拓地區、最新發展和投資的詳細資訊。
4.競爭評估及資訊:對主要企業的市場佔有率、策略、產品、認證、監管狀況、專利狀況、製造能力等進行綜合評估。
5. 產品開發與創新:提供對未來技術、研發活動和突破性產品開發的見解。
1. 網路安全保險市場規模及預測如何?
2.網路安全保險市場預測期間需要考慮投資的產品、細分市場、應用和領域有哪些?
3. 網路安全保險市場的技術趨勢和法規結構是什麼?
4.網路安全保險市場主要廠商的市場佔有率為何?
5. 進入網路安全保險市場的適當型態和策略手段是什麼?
[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?