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Cyber Insurance Premiums Rise Significantly

Posted By Administration, Wednesday, September 7, 2016

The cyber insurance market is growing and it’s healthy. Or at least it might be healthy. To start with Fitch Ratings said U.S. insurers took in $998 million in 2015. Breaking that down:

 

  $483 million is for standalone cyber insurance

  $515 million ties cyber insurance to other types of coverage

 

These figures come from the National Association of Insurance Commissioners (NAIC). Where Fitch gets involved is in the analysis of the numbers and it says not all is rosy.

 

Each underwriter’s approach to assessing premiums from cyber risks in package policies will differ, leading to inconsistencies in the data. A significant portion of cyber-related exposures will not be captured [as] several large companies did not report premiums for [bundled] cyber policies in the supplemental filing,” Fitch spokesman James Auden said.

 

Consistency is critical and Fitch said insurers just aren’t there yet.

 

There are 120 insurers writing cyber business today. Three insurers have 45% of the cyber insurance business. They are AIG, Chubb and the XL Group. All three are very optimistic about the line’s future. Marsh & McLennan — also deeply involved in the line of insurance — thinks it’s going to jump three to five times higher by 2020.

 

And again, Fitch and Auden disagree. Industry estimates suggest that the global cyber insurance business could increase to $20 billion by 2020, but the lack of information on cyber insurance is a challenge for insurance companies, policyholders, regulators, and investors to evaluate and price risk. Challenges in isolating cyber related premiums and exposures from other risks within a package policy create limitations in analyzing the supplemental filing as total cyber insurance premiums are likely understated,” he said.

 

The most standalone coverage was written by XL Group and it hit $113 million. AIG wrote the most package-based coverage. That figure is $194 million — or about 34% of the line’s total market.

 

Source links: Fed Scoop, Insurance Journal

 

Tags:  Cyber Attacks: An Accelerating Crisis & Now the FI  Cyber Breach  Cyber Insurance  Cyber Insurance Premiums Rise Significantly  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News 

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The Latest Insurance Breach

Posted By Administration, Tuesday, August 16, 2016

Newkirk Products makes health insurance enrollment cards. One of its servers has apparently been “improperly accessed.” Newkirk makes cards for Blue Cross and Blue Shield of Kansas City and North Carolina and for HealthNow New York and others. The total number of people served — 3.3 million.

 

In its press release, Newkirk said, The data subject to unauthorized access varies by plan but includes some combination of: the member’s name, mailing address, type of plan, member and group ID number, names of dependents enrolled in the plan, primary care provider, and in some cases, date of birth, premium invoice information and Medicaid ID number. The server did not contain Social Security numbers, banking or credit card information, medical information or any insurance claims information.”

 

So far there is no evidence the data has been used for anything. Newkirk said it will start calling agents and brokers and others impacted sometime in September.

 

Source link: Insurance Business America

 

Tags:  Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  The Latest Insurance Breach  Weekly Industry News 

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Airport Security Lacking

Posted By Administration, Tuesday, August 9, 2016

 

 

Former Transportation Security Administration deputy administrator John Halinski recently made some alarming statements. In his analysis of the nation’s airports, Halinski said security is not adequate enough to prevent a terrorist attack similar to what we saw at the airports in Brussels and Istanbul.

 

The union representing airport screeners — the 43,000 employee strong American Federation of Government Employees (AFGE) — agrees.

 

Halinski says the biggest problem is a hodgepodge of state and local law enforcement people handling the task. Most countries have a national police force to do the job. So the patchwork is troublesome. It’s a vulnerability. Airport police are really kind of overwhelmed. They just don’t have the budgets, they don’t have the manpower,” he said.

 

By the way, he now works as an airport security consultant and knows his stuff. Halinski says the biggest problem is departments that are underfunded and understaffed. This is especially a concern at smaller airports. As an example he talked about the 2013 shooting at Los Angeles International Airport. One screener died.

 

Halinski contends it’s from poor communications that led to delays.

 

Charity Wilson — who represents AFGE — said, The recent attacks in Istanbul and Brussels have fully alerted the entire world to a different type of terrorist attack. That is attacking an open area at the airport that is usually close to or between checkpoints.”

 

She believes more agents are needed — as well as more funding — to stop such attacks on U.S. soil.

 

Halinski agrees. Airport police forces probably can’t prevent all attacks but they can certainly reduce casualties. And police that are more visible and in larger numbers can be a deterrent.

 

But there aren’t enough police says AFGE National President David Cox. Current airport law enforcement operations have gaps and inconsistencies that leave TSOs and passengers vulnerable. Many airports have no armed law enforcement officers stationed at or in the airport.”

 

His union wants a special class of TSA officer created to guard screening checkpoints. Those officers — he suggests — would be trained and armed. Today’s screening guards are not.

 

Is it a good idea? CIA Director John Brennan thinks so. He says the U.S. remains a terrorist target. It would be surprising to me that ISIL is not trying to hit us both in the region as well as in our homeland,” he said.

 

But it all boils down to resources and Halinski said that’s a huge obstacle to overcome. A lot of this boils down to money and who is going to pay. At the end of the day, quite frankly, everybody is going to have to pay something if we’re going go be more effective in this area.”

 

Source link: PropertyCasualty360.com

 

Tags:  Airport Security Lacking  Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Security  Weekly Industry News 

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Data … Numbers Mean Everything & Everyone Wants Them

Posted By Administration, Tuesday, August 2, 2016

If you own a newer vehicle then that vehicle’s navigation system knows every mile you drive. It even remembers your daily route to work. That system is smart enough to tell you how to avoid traffic. Some can tell you how much the driver and front seat passenger weigh.

 

Soon the technology is expected to advance to being able to track your shopping patterns.

 

Essentially, your vehicle — car, truck or whatever — knows a lot about you and a lot of companies and especially insurance companies, want that data. Hackers want it, too. So a lot of focus these days is protecting your vehicle with cyber security. That also complicates the tracking system.

 

So what you have is a terrific source of data for the driver — you — and for your insurer and others. It is also turning out to be an interesting battle. Automakers want to keep data away from Google and Apple’s iPhones and other smartphone devices that use the systems they build for the vehicle. Google, Apple and others are fighting that.

 

Invictus iCar CEO Tony Posawatz was one of the Chevy Volt developers. He said, Everyone is trying to control the screens in the car. There is tremendous value in the data, and they are trying to figure out how to get it.”

 

Down the road — no pun intended — we’re going to see more self-driving vehicles and at the very least, vehicles with parts that self-drive. Dashboard technology will also improve. And with that comes more data that Ford and other auto builders want to keep for themselves and for you.

 

Or so says Ford executive Don Butler. “We’re not in a position of turning over our vehicles to a Google or Apple experience. We want to make sure our customers have a chance to give informed consent. And, we want to share in any value created [with them],” he said.

 

This doesn’t mean these automakers want to keep Google and Apple and others out. Ford, BMW AG, General Motors and other automakers have systems that will host the Googles and the Apples of the world. But what they won’t allow is information from the vehicle and the date generated from the use of those products to be piped back to Google, Apple and others.

 

And how are Google and others reacting? They’re building their own vehicles with driverless technology. And the communications technology industry — says consulting firm CarLab president Eric Noble — is far more capable of doing this than a car company. What are the odds that carmakers will come out with anything that will compete with a phone? They’re chasing a rainbow,” he said.

 

Back to insurance. No doubt insurers would love to know more about what’s going on with the driver and passengers. A heavy foot in traffic could increase risk and be a reason for higher rates.

 

Currently Ford and GM are tracking stats and giving them to insurers but anonymously. So if a consumer wants to and thinks their driving habits will lower their insurance rate, they can point this out to their insurer.

 

Source link: PropertyCasualty360.com

 

Tags:  Cyber Breach  Cyber Insurance  Cyber Security  Data … Numbers Mean Everything & Everyone Wants Th  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News 

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Your Phone a Hacker Target — So is Your Home

Posted By Administration, Tuesday, July 12, 2016

We all have mobile phones. And at least 90% of us have smartphones. We have computers and smart TVs and so on. All of this connects us to the world in ways only imagined in science fiction until a few years ago. As an example, our phones can operate lights in our homes, heat and air-conditioning and access door locks, alarms and even the refrigerator and oven. And our phones can do it from in the home or from afar.

 

But all that convenience is lined with subtle danger. Most know hackers can find their way into computers. What many don’t know is hackers can access the other Internet of Things connected devices and appliances or that viruses can be planted in them via emails, updates and other methods.

 

The problem goes even deeper. Many of us shop online via our smartphones or tablets and we do banking in the same way. Hackers know this and they’re increasing their attacks in those areas as well.

 

   Pew Research says 61% of us doing online banking and the figure is increasing.

   The Federal Reserve said in 2015 that 52% of us use smartphones to access bank accounts.

 

That causes problems. Panda Labs — the security company — says 30% of personal computers in the U.S. are infected with some sort of malware. Some 16 million people have been affected.

 

Anyway, all of this has consumers concerned and rightfully so. Zogby Analytics did a survey in 2016 that found consumers have two major concerns with the technology in their lives:

 

   A hacking incident or attack on their data or systems

   The theft of money or property from a fraudulent wire or bank account transfer

 

But how do you solve a problem that says — according to the Organization for Economic Cooperation and Development — the average family of four will have 24 connected devices by 2017 and a whopping 50 by 2022. So the phones, tablets, laptops, appliances, TVs, cars that are connected, light and air-conditioning access and so on, continue to give cyber thieves access points.

 

This is where insurance comes into the picture. We all know that ID theft insurance is easy to obtain and is quite common. Coverages for attacks on home systems is lagging. And this is something consumers want and need.

 

The suggestion these days for those selling personal lines is to add cyber insurance to home and auto policies. Many agents — however — don’t think of this when selling insurance to consumers.

 

Maybe it’s time to think that direction? It’s something your clients want and need.

 

Source link: PropertyCasualty360.com

 

Tags:  Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News  Your Phone a Hacker Target — So is Your Home 

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Update on Data Theft: Some Frightening Statistics

Posted By Administration, Wednesday, July 6, 2016

Businesses and consumers worry about data theft from hackers. Not a week goes by that we don’t hear of this business or that being hacked. And while most of us think the threat is overseas or from the outside, a threat closer to home is employees.

 

Accenture Plc and HfS Research said it looked at 208 organizations and asked them about data theft:

 

  69% say they’ve had employees steal data or attempt to do so in the last year

  57% say they’ve had outsiders try the same thing

  The highest rates of both are Asia-Pacific region businesses — 80%

  Media and technology firms came in second at 77%

 

Accenture’s Omar Abbosh said, Everyone’s always known that part of designing security starts with thinking that your employees could be a risk but I don’t think anyone could have said it was quite that high.”

 

Businesses spend a pot load of money each year to defend against the theft of data. Accenture estimates the cost to be close to $84 billion. Actual thefts run about $2 trillion and if things don’t slow down, it could rise to $90 trillion by 2030.

 

Abbosh recommends businesses change how they fight cyber crime by sharing data with each other and work on joint strategies. There’s a huge business rationale to share and collaborate. If one bank is fundamentally breached in a way that collapses its trust with its customer base, I could be happy and say they’re all going to come to me, but that’s a false comfort.”

 

A bigger problem is — even with the trillions lost in cyber attacks and employee theft — businesses still don’t see cyber security as a top priority.

 

  70% say they do not have adequate funding for technology training or the personnel needed to maintain company cyber security

  36% say management considers cyber security an “unnecessary cost”

 

A study by Mimecast bears out the Accenture conclusion. Just 35% of businesses carry cyber insurance. And only 10% — which is worse — think their insurance covers the newest threat — social engineering attacks.

 

Mimecast’s Steve Malone said social engineering — if you’re not familiar — is someone posing as someone who can be given access to privileged information or have access to funds. He calls is insidious. An attacker pretends to be someone from the victim company, the CEO, CFO, etc., and will trick someone in the organization into giving them something. These attacks used to be strictly financial, ‘hi, this is the CEO; I’m out of the office. Bob (in finance), can you make this wire transfer for me?’ and Bob is ‘oh, the CEO wants me to do this. I should do it,” he said.

 

That was the early wave of attacks. Today social engineering schemes are evolving. They’ll ask for employee information and other valuable data. So, no money changes hands, but if you think about what is in your W2, if I can get 200 of these, I can sell 200 identities on the dark web, but most cyber coverage does not mention data. Most policies are based on financial loss. There is nothing in the insurance policy that says data like W2s are covered, and even if they pay out, what is a W2 worth?” Malone said.

 

Mimecast’s report said we’ll see more of these in the future ranging from secret business plans to intellectual property. These are things that a cyber criminal can sell and that you can’t put a value upon. So there’s no mention of them in insurance policies.

 

And Malone wonders out loud how insurance is going to keep up with this and other forms of cyber attacks.

 

Source links: Insurance Networking News, Insurance Business America


Tags:  Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Update on Data Theft: Some Frightening Statistics  Weekly Industry News 

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Cyber Attacks: Concern Grows

Posted By Administration, Wednesday, June 8, 2016

Last week the Federal Reserve said it has been hacked over 50 times. That’s a huge concern when considering $80 million in a Bangladesh bank was stolen from the New York Fed a couple of weeks ago.

 

The U.S. Fed has access to even more billions and billions.

 

Radar is up in political and financial circles with signs that the Fed is vulnerable to cyber attacks. Documents on the attacks received by Reuters and Bloomberg under the Freedom of Information Act were heavily redacted but in 310 reports from the Fed, 140 of them reported attacks.

 

Two of those attacks — both in 2012 — were espionage.

 

And in those reports the Fed’s cyber security team said information was disclosed to the attackers 51 times. But the hackers aren’t identified and no information was given as to whether money was stolen or not.

 

Not only are banks and other financial institutions and health insurers a concern, the nation’s power system is under the microscope. Without power nothing in this society works anymore.

 

A major attack on this nation’s power grid would be catastrophic on an unprecedented level. Everything in our society relies on power. And this isn’t just an alarmist view though many cybersecurity experts and power industry experts pooh-pooh the notion that a major attack can actually be accomplished.

 

It could happen with a carefully coordinated strike at multiple, key power stations. A hit like that overloads the grid and secondary outages then happen in multiple states. Do it well enough and power could be out for weeks.

 

Want a preview? It happened on the East coast a few years ago though it wasn’t a cyber attack. And it has Maine Republican Sen. Susan Collins worried. If you think of how crippled our region is when we lose power for just a couple of days, the implications of a deliberate widespread attack on the power grid for the East Coast, say, would cause devastation.”

 

The University of Cambridge and Lloyd’s of London ran a scenario a few weeks ago and found a prolonged outlet in 15 states would leave 93 million in the dark and would cost hundreds of millions of dollars in business losses. Fatalities would also rise in hospitals in those states.

 

Ugly.

 

And it could — worse — lead to war. A cyber attack like that would be considered an act of war and the U.S. would more than likely react militarily.

 

The power industry is — to its credit — hard at work developing better protection systems that, in turn, protect you.

 

PIA National is very concerned about cyber security. Health insurer and insurers have been hacked and attacked and — just as serious to the industry — their clients are being attacked which means large claims.

 

At the May 24th National Association of Insurance Commissioners Cybersecurity Task Force’s interim meeting the PIA testified. The task for is chaired by former NAIC president and North Dakota Insurance Commissioner Adam Hamm.

 

PIA National said, “PIA provided comments to the Task Force in writing in advance of the New Orleans meeting, verbally during the New Orleans meeting, and plans to provide comments in writing again later this week.”

 

The association is also asking all PIA members to take a short, 10 question, Cyber Liability Survey to help PIA better understand agents' understanding and comfort level of this relatively new risk and the insurance coverages that go along with it.

 

“Your answers will help PIA and our company council, The PIA Partnership, develop an educational program to help agents understand the cyber risks they and their clients face and how they can reduce those risks, from business processes they can put in place to insurance coverages that are available,” PIA National said.

 

Click here to access the survey.

 

Source links: PropertyCasualty360.com, The Hill


Tags:  Cyber Attacks: Concern Grows  Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News 

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Cyber from Insurance to ObamaCare Hacking & Everything In Between

Posted By Administration, Monday, April 11, 2016
Updated: Tuesday, April 5, 2016

The National Association of Insurance Commissioners (NAIC) says insurance has a lot to learn about cyber attacks and their relationship to insurance. In 2015 personal information data (PII), financial records and medical histories were routinely grabbed by hackers.

 

How many were impacted? About 112 million or so says the Office of Civil Rights which is an agency housed in the Department of Health and Human Services. The hacking of Anthem in February and Premera Blue Cross in March account for 90 million of the losses.

 

Government has its fair share of hacks, too. But you know that already. What you may not know is the ObamaCare federal website HealthCare.gov has seen 316 cybersecurity incidents since it began functioning. And the Government Accountability Office (GAO) says the website continues to be vulnerable,.

 

Taken from the website are names, birth dates, Social Security numbers, addresses, financial info and other personal information. Of the over 300 incidents, 41 involved information that was not properly secured.

 

The state exchanges also are at risk.

 

The NAIC Cybersecurity Task Force has introduced a new Data Security Model Law for health and other insurers that puts standards in place for data security and breach responses and it outlines the responsibility of regulators when a breach occurs.

 

Because insurance is a data-driven industry, regulators must understand what data is being collected and for what purpose. Today, regulators and companies have a need for data beyond what has been traditionally collected. But what regulators need is greater insight, not just more data,” the NAIC said.

 

What this doesn’t do is prevent breaches. BakerHostetler’s 2016 Data Security Incident Response Report outlines just what happened in 2015 and how:

 

  Phishing, hacking and malware accounted for 31%

  24% came from employee mistakes

 

One of the new favorites of cyber criminals is ransomware. It gets into your computer and freezes it up. To get access to your data you must pay a ransom. Most often it is several hundred dollars.

 

The situation is growing so perilous that the FBI has asked businesses and software security experts to assist and it sent out an alert. Anyone experiencing a ransomware attack is asked to report it to the FBI so it can be investigated.

 

Hardest hit are healthcare firms and law enforcement.

 

Source links: Insurance Business America, Insurance Networking News, Carrier Management


Tags:  Cyber Breach  Cyber from Insurance to ObamaCare Hacking & Everyt  Cyber Insurance  Cyber Security  Healthcare  HealthCare.gov  Insurance Content  Insurance Industry  Insurance News  ObamaCare  The Affordable Care Act  Weekly Industry News 

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Cyber Insurance: Rates Falling

Posted By Administration, Tuesday, April 5, 2016



Marsh released a report last week that shows cyber insurance rate falling. In 2015 after the Target, Home Depot, Anthem and other breaches rates leaped 28%. Since then major breaches have fallen off and in the first three months of 2016, rates have plummeted 13%.

 

So high risk firms like healthcare companies and retailers have seen rates fall from $21,642 for $1 million in coverage to $18,756. Robert Parisi — a cyber insurance executive for Marsh — said, Pricing has stabilized. There is only so far things can go before people choke and say ‘I’ve had enough.”

 

Lockton’s Ben Beeson agrees. His firm has also seen a leveling off of premiums. We haven’t had too many Targets or Home Depots recently,” he said.

 

Aon Risk Solution’s Kevin Kalinich said the drop is not likely to last long so now might be a good time to reintroduce the idea of cyber insurance to your clients.

 

The PIA Western Alliance has affordable cyber insurance. Philadelphia Insurance Companies' Cyber Security Liability program provides both First and Third Party coverage for numerous classes of business. Through eight Insuring Agreements, a wide range of cyber liability exposures are addressed. Coverage is available nationwide on either an admitted or non-admitted basis.

 

  Includes coverage for legal fees and computer forensic costs in the event of a security or privacy breach

  Regulatory fines and penalties included under Security Event Costs and PCI assessment coverage available by endorsement

  Customer Notification Expenses include legal expenses, credit monitoring, postage and advertising

  Comprehensive interruption expenses coverage, including income loss

  Coverage for Damages to third parties caused by a breach of network security

  Definition of claim includes a demand for monetary and non-monetary damages

 

First Party Protection

  Loss of Digital Assets Coverage

  Non-Physical Business Interruption and Extra Expense

  Cyber Extortion

  Cyber Terrorism

  Security Event Costs

 

Third Party Protection

  Network Security and Privacy Liability

  Employee Privacy Liability

  Electronic Media Liability

 

Cyber Security Liability

  Healthcare

  Hospitality Manufacturers

  Non-Profit Organizations

  Private Schools

  Professional Services

  Religious Organizations

  Retail

 

Many more...

 

Questions? Contact us.

 

Lisa Tucker, Director of Insurance

(888) 246-4466 x112 | lisatucker@piawest.com

 

Pam Armstrong, Commercial Underwriter

(888) 246-4466 x111 | pamela@piawest.com

 

Source link: Insurance Business America


Tags:  Cyber Breach  Cyber Insurance  Cyber Insurance: Rates Falling  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News 

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Brussels Attack Highlights the Need for Terrorism Risk Insurance

Posted By Administration, Tuesday, March 29, 2016



The ISIS terrorist attack in Brussels last week has insurance and reinsurance companies and government officials looking again at the economic exposure to terrorism.

 

Coverage not up to snuff is a huge problem.

 

AIR Worldwide said Belgium’s Terrorism Reinsurance and Insurance Pool (TRIP) will cover the attack and it won’t impact the industry as a whole. The biggest losses will be loss of life and personal injury which TRIP covers. There will be minimal property losses and while some of that will slip into regular insurers and reinsurers, losses will be slight.

 

Economic costs to the country are another matter. JLT Re and JLT Specialties are insurance and reinsurance brokers. The companies released a report last week that pointed to the big gap between the amount of terrorism insurance held and the actual costs of restoring to normalcy after an attack.

 

Chris Holt — Head of Credit, Political & Security Risk Consulting at JLT Specialty — said insurance and reinsurance is only absorbing a small part of the impact. The industry has been slow to respond to changing risk dynamics. Current products are not meeting the needs.

 

Terrorism has evolved into a more complex threat for businesses and insurers, with both attacks and fatalities seeing steep increases since 2011,” Holt said. The report listed the economic costs of terrorist attacks since 2000 and found the increasing.

 

Here’s a list of the worldwide economic damage terrorism has done since 2000:

 

  2000 — $4.93 billion

  2001 — $51.51 billion

  2002 — $7.65 billion

  2003 — $5.42 billion

  2004 — $10.99 billion

  2005 — $11.07 billion

  2006 — $15.78 billion

  2007 — $20.44 billion

  2008 — $13.4 billion

  2009 — $14.74 billion

  2010 — $12 billion

  2011 — $12.31 billion

  2012 — $16.96 billion

  2013 — $30.92 billion

  2014 — $52.90 billion

 

Holt said this isn’t just about an increase in activity, “The rise of Islamic extremism, combined with the potential access to weapons, explosives and toxic materials, comes at a time when modern communications and technologies are being exploited by groups as recruitment tools, communication channels and potential attack vectors. This means today’s terrorist threat is more dynamic with impacts that are difficult to accurately predict.”

 

And as noted on the list, in 2014 global economic costs from terror attacks hit $53 billion. That’s a bigger hit than what we saw in 2001. But — again — insurance and reinsurance coverage has not kept up.

 

JLT said a restructuring of terror risk pools is in order. The pools would handle the more complex risks. In the meantime, commercial P&C companies can take care of commerce and property risks. An optimal outcome would include the creation of new and comprehensive products that account for all potential terror-related impacts across several different coverages. Such solutions will require the support of reinsurers and insurers, along with meaningful input from industry and governments,” JLT said in the report.

 

This will require an effort at the international level. Any long-term solution will realistically require the involvement of global terror pools as well as private risk carriers, with pools potentially taking on more systemic risks and the standalone market providing broadened coverage and new products to reflect the prevailing threat that exists today. Crucially, innovators are needed to devise new solutions which are able to keep pace with an ever changing terrorism threat,” the report added.

 

Events such as those in Belgium are a reminder that the world faces a threat which requires financial protection, and that the rising economic costs, while of course overshadowed by the terrible human toll, is an important gap that needs protecting to improve life and livelihood of global populations.

 

Source link: Artemis


Tags:  Brussels Attack Highlights the Need for Terrorism   Cyber Breach  Cyber Insurance  Cyber Security  Insurance Content  Insurance Industry  Insurance News  Weekly Industry News 

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