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網路安全保險-市場佔有率分析、行業趨勢和統計、成長預測（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個工作天內

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簡介目錄

網路安全保險市場規模預計在 2025 年為 192.6 億美元，預計到 2030 年將達到 473.8 億美元，預測期內（2025-2030 年）的複合年成長率為 19.72%。

網路安全保險-市場-IMG1

數位化以及雲端運算、巨量資料、物聯網、人工智慧 (AI) 和商業和社會中萬物互聯的快速發展，正在增加本已捉襟見肘的 IT 團隊的工作量。

關鍵亮點

  • 資訊科技、通訊技術和智慧型能源的進步正在改變每個國家關鍵基礎設施和商業網路的格局。然而，隨著科技的快速發展，威脅也隨之迅速演變。個人資訊很有價值，這促使網路犯罪分子實施犯罪，在暗網上出售信用卡號、身分證和醫療記錄等個人資訊。這是推動網路安全需求增加的少數因素之一。
  • 雲端運算是當今發展最快的技術之一，它消除了 IT 領域的傳統界限，創造了新的市場，刺激了行動趨勢，並推動了整合通訊的進步。許多科技相關人員和組織正在轉向新的保險模式，以減輕在現代網路安全領域儲存敏感資料的風險。
  • 隨著網路安全保險領域的不斷成熟，保險公司可能會在評級中考慮更廣泛的安全控制和技術。因此，組織資料的敏感度等級及其充分隱藏資料的能力將在決定其整體風險方面發揮關鍵作用，這推動了微遮蔽等新技術的採用。微陰影技術將資料分解為個位數字節片段，對其進行污染，並將片段分佈到多個位置，從而減少攻擊面並消除資料機密性。
  • 網路保險單和業務涵蓋了廣泛的風險，保險公司並不總是就承保哪些損失事件達成一致。網路事件具有一些特點，使得制定全面的保險政策變得困難，包括有限的損失歷史記錄、歷史資料在預測未來事件方面的不可靠性，以及跨公司和行業損失高度相關的大規模攻擊的可能性。
  • 此外，保險公司仍在努力製定有關網路攻擊和物聯網等新技術影響的準確而精確的標準。如果發生重大網路攻擊，而沒有明確定義風險並了解對保險公司的影響，網路保險覆蓋可能會無效，企業可能會遭受重大損失。

網路安全保險市場趨勢

預計 BFSI 部門將佔主要佔有率

  • BFSI 產業是面臨大量資料外洩和網路攻擊的關鍵基礎設施領域之一。網路犯罪分子正在最佳化各種惡意網路攻擊，以破壞金融業。這是因為金融業有著極為豐厚的營運模式，可以產生驚人的利潤，而且具有風險相對較低、易於檢測的優勢。
  • 木馬、ATM、勒索軟體、資料外洩、組織入侵、資料竊盜、財務外洩和其他威脅都是此類攻擊的威脅情勢的一部分，進一步增加了 BFSI 領域對網路安全保險的需求。
  • 例如，根據Orange的資料，惡意軟體是2021年10月至2022年9月期間針對金融和保險組織最常見的網路攻擊。這種攻擊媒介針對的是全球超過40%的組織。網路和應用程式異常位居第二，有 23% 的組織報告了此類網路攻擊，其次是系統異常，佔 20%。
  • 網路安全保險正在成為銀行和金融機構的必需品。預計預測期內該產業將佔據全球市場的很大佔有率。由於 BFSI 行業是受到嚴格監管和控制的行業之一，並且容易發生身份詐騙，因此該行業對網路安全保險市場的需求正在進一步增加。
  • 隨著安全漏洞的增加，銀行和金融機構需要實施網路安全保險來保護客戶的資料並防止財務損失。例如，2021 年 12 月，加密交易平台 Bitmart 發生重大安全漏洞，駭客竊取了約 2 億美元的資產。被竊的私鑰是這次安全漏洞的主要來源，影響了以太坊和幣安創新鏈上的兩個熱錢包。

預計美國將在北美地區佔據主要佔有率。

  • 美國被認為是全球最突出的網路安全保險市場。此外，該國市場上有許多主要企業，這也有助於該國擁有較高的市場佔有率。
  • 美國網路攻擊急劇增加，達到歷史最高水準。這主要是由於該地區連網設備數量的快速成長。在美國，許多行動應用程式都預先安裝了個人訊息，以幫助消費者使用公共雲端進行銀行業務、購物、通訊等。
  • 據白宮經濟顧問委員會稱，美國經濟每年因有害網路活動損失約 570 億美元至 1,090 億美元。為了最大限度地減少網路攻擊造成的損失，網路安全保險提供者提供的解決方案至關重要，這推動了該地區對網路安全保險的需求。
  • 近年來，該地區的資料外洩事件屢見不鮮。根據身分盜竊資源中心2022年發布的報告，記錄了1,789起資料外洩事件。資料外洩事件頻繁，促使各行各業的組織選擇網路安全保險，從而推動市場成長。
  • 美國政府簽署立法，成立網路安全和基礎設施安全局（CISA），以加強對網路攻擊的防禦。 CISA 與聯邦政府合作，提供網路安全工具、事件回應服務和評估能力，以保護支援合作機構關鍵業務的政府網路。因此，它將為新企業和現有企業投資於專為該行業設計的網路安全套件開闢新的途徑。

網路安全保險產業概覽

網路安全保險市場適度整合，主要參與企業提供卓越的技術並透過現有的分銷管道推動成長。這些技術領導者正在投資創新、合併、收購和夥伴關係活動，以保持市場競爭力。

  • 2023 年 2 月－CloudCover Re 與保險仲介Hylant Global Captive Solutions（Hylant）合作推出網路安全「租賃專屬式」保險計畫 CloudCover Cyber​​Cell。該計劃適用於協會、親和性小組和大型企業，允許用戶以可控的成本為自保網路風險提供資金。這減少了網路攻擊帶來的潛在責任風險，並透過提供更廣泛的覆蓋範圍和更低的網路保險成本使企業更容易創造更大的收益。
  • 2022 年 11 月—網路安全公司 Agilicus 和領先的全方位服務保險機構之一 Ridge Canada Cyber​​ Solutions Inc. (RCCS) 聯手幫助加拿大中小型企業 (SMB) 獲得網路安全保險的資格和收益。

其他福利

  • Excel 格式的市場預測 (ME) 表
  • 3個月的分析師支持

目錄

第1章 引言

  • 研究假設和市場定義
  • 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場洞察

  • 市場概覽
  • 產業價值鏈分析
  • 產業吸引力-波特五力分析
    • 新進入者的威脅
    • 買家的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭
  • 行業指南和政策
  • COVID-19 市場影響評估

第5章市場動態

  • 市場促進因素
    • 擴大採用雲端基礎的服務
    • 資料安全漏洞不斷增多
  • 市場限制
    • 實施網路保險的難度和高成本

第6章市場區隔

  • 組織規模
    • 中小企業
    • 大型企業
  • 最終用戶產業
    • 醫療保健
    • 零售
    • BFSI
    • 資訊科技/通訊
    • 製造業
    • 其他
  • 地區
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 德國
      • 英國
      • 法國
    • 亞洲
      • 印度
      • 中國
      • 日本
      • 新加坡
      • 澳洲和紐西蘭
    • 拉丁美洲
    • 中東和非洲

第7章競爭格局

  • 公司簡介
    • 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8章投資分析

第9章 市場機會與未來趨勢

簡介目錄
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