Cyber and Technology E&O

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<div class="col col-6"> <div class="title section"> <div class="h2"> <div class="jumpmark" id="1330952927" data-title="Leveraging the strength "></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Leveraging the strength <br/>of Munich Re Specialty </h2> </div> </div> </div> <div class="richtext section"> <mr-e-text class="cmp-text"> and the innovation of Lloyd’s, we offer tailored solutions that combine technical expertise, risk management services, and responsive claims support to address your clients’ needs on a primary and excess basis. </mr-e-text> </div> </div> <div class="col col-6"> <div class="image section"> <figure class="figure "> <div class="imageBasic " data-ratio="1.7778"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg./cropped.16_to_9.jpg" alt="Leveraging the strength of Munich Re Specialty" srcset="/content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.2560.1440.file/cropped.16_to_9.jpg 2560w, /content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1920.1080.file/cropped.16_to_9.jpg 1920w, /content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1280.720.file/cropped.16_to_9.jpg 1280w, /content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.640.360.file/cropped.16_to_9.jpg 640w, /content/dam/munichre/hsb/hsb-iic/image-asset-library/hsb-other/147456329.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.320.180.file/cropped.16_to_9.jpg 320w" sizes="(min-width: 960px) 885px, 100vw" title="Leveraging the strength of Munich Re Specialty"/> </div> <span class="imageBasic__title">© Getty Images</span> </div> </figure> </div> </div> </div> </div> <div class="row "> <div class="col "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div class="h2"> <div class="jumpmark" id="-1544927781" data-title="Cyber insurance capabilities target classes"></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Cyber insurance capabilities target classes </h2> </div> </div> </div> </div> </div> <div class="row "> <div class="row aem-GridColumn aem-GridColumn--default--12"> <div class="col col-6"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_primary-risks.svg/_jcr_content/renditions/original.media_file.file/cyber_primary-risks.svg"></object> </div> <div class="keyFact__factSubline"> Primary Risks </div> </div> <div class="keyFact__description">Earning up to $5bn in gross annual revenue</div> </div> </div> </div> </div> <div class="col col-6"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_excess-risks.svg/_jcr_content/renditions/original.media_file.file/cyber_excess-risks.svg"></object> </div> <div class="keyFact__factSubline"> Excess Risks </div> </div> <div class="keyFact__description">Earning up to $5bn in gross annual revenue</div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col "> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <strong>Most risk classes are eligible, except for the following:</strong> </mr-e-text> </div> </div> </div> <div class="row "> <div class="row row-25-25-25-25 aem-GridColumn aem-GridColumn--default--12"> <div class="col col-3"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>Airlines</p> <p>Casinos/gambling risks</p> <p>Payment processors</p> </mr-e-text> </div> </div> <div class="col col-3"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>Adult content</p> <p>Cryptocurrency</p> <p>Religious affiliations</p> </mr-e-text> </div> </div> <div class="col col-3"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>Blockchain</p> <p>Education</p> <p>Political action committees</p> </mr-e-text> </div> </div> <div class="col col-3"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>Cannabis-related risks</p> <p>Healthcare</p> <p>Social media/networking</p> </mr-e-text> </div> </div> </div> </div> <div class="row "> <div class="col "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div class="h2"> <div class="jumpmark" id="140975649" data-title="Coverage details"></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Coverage details </h2> </div> </div> </div> </div> </div> <div class="row "> <div class="row aem-GridColumn aem-GridColumn--default--12"> <div class="col col-6"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p><strong>Capacity</strong></p> <p>Up to $10m</p> <p><strong>First-party coverages </strong></p> <ul><li>Breach event </li><li>Cyber crime </li><li>Cyber extortion </li><li>Reputational harm </li><li>Digital asset damage </li><li>Hardware replacement — business and dependent business interruption </li></ul> <p><strong>Third-party coverages </strong></p> <ul><li>Network security and privacy liability </li><li>Media liability </li><li>Regulatory liability </li><li>PCI DSS liability </li><li>Technology E&O</li></ul> </mr-e-text> </div> </div> <div class="col col-6"> <div class="image section"> <figure class="figure "> <div class="imageBasic " data-ratio="0.7499"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-1148113003.jpg/_jcr_content/renditions/original.image_file.2555.3407.1288,0,3843,3407.file/GettyImages-1148113003.jpg" alt="coverages" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1148113003.jpg/_jcr_content/renditions/original.image_file.1920.2560.1288,0,3843,3407.file/GettyImages-1148113003.jpg 1920w, /content/dam/munichre/global/images/royalty-free/GettyImages-1148113003.jpg/_jcr_content/renditions/original.image_file.1280.1707.1288,0,3843,3407.file/GettyImages-1148113003.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1148113003.jpg/_jcr_content/renditions/original.image_file.640.853.1288,0,3843,3407.file/GettyImages-1148113003.jpg 640w, /content/dam/munichre/global/images/royalty-free/GettyImages-1148113003.jpg/_jcr_content/renditions/original.image_file.320.427.1288,0,3843,3407.file/GettyImages-1148113003.jpg 320w" sizes="(min-width: 960px) 885px, 100vw" title="coverages"/> </div> <span class="imageBasic__title">© CHRISTIAN LAGEREK/SCIENCE PHOTO LIBRARY / Getty Images</span> </div> </figure> </div> </div> </div> </div> <div class="row "> <div class="row aem-GridColumn aem-GridColumn--default--12"> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_dependent-business-interruption.svg/_jcr_content/renditions/original.media_file.file/cyber_dependent-business-interruption.svg"></object> </div> <div class="keyFact__factSubline"> Dependent Business Interruption </div> </div> <div class="keyFact__description">Provides coverage for loss of gross profit and extra expense from a disruption of an insured’s operations from a malicious event occurring on a service provider’s computer system.</div> </div> </div> </div> </div> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_digital-asset-damage.svg/_jcr_content/renditions/original.media_file.file/cyber_digital-asset-damage.svg"></object> </div> <div class="keyFact__factSubline"> Digital Asset Damage </div> </div> <div class="keyFact__description">Coverage resulting from a business interruption, cyber extortion, or a bricking event — coverage is not subject to a waiting period.</div> </div> </div> </div> </div> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_planned-outage.svg/_jcr_content/renditions/original.media_file.file/cyber_planned-outage.svg"></object> </div> <div class="keyFact__factSubline"> Planned Outage (no exclusion) </div> </div> <div class="keyFact__description">Insured can voluntarily shut down their computer system to help mitigate a loss.</div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="row aem-GridColumn aem-GridColumn--default--12"> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_blanket-vicarious-liability.svg/_jcr_content/renditions/original.media_file.file/cyber_blanket-vicarious-liability.svg"></object> </div> <div class="keyFact__factSubline"> Blanket Vicarious Liability </div> </div> <div class="keyFact__description">Coverage addresses the insured’s legal liability and the vicarious liability of third parties.</div> </div> </div> </div> </div> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_regulatory-damages.svg/_jcr_content/renditions/original.media_file.file/cyber_regulatory-damages.svg"></object> </div> <div class="keyFact__factSubline"> Regulatory Damages </div> </div> <div class="keyFact__description">Extend to most favorable law imposed by a regulatory authority.</div> </div> </div> </div> </div> <div class="col col-4"> <div class="keyFactWrapper section"> <div data-icon-animation-js="false" class="keyFact keyFact--themeMainAccent "> <div class="keyFact__responsiveRow"> <div class="keyFact__fact"> <div class="keyFact__factIcon"> <object type="image/svg+xml" data="/content/dam/munichre/mram/content-pieces/icons/cyber_broad-definitions.svg/_jcr_content/renditions/original.media_file.file/cyber_broad-definitions.svg"></object> </div> <div class="keyFact__factSubline"> Broad Definitions of Technology </div> </div> <div class="keyFact__description">Insured event, technology products, and technology services.</div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div class="h2"> <div class="jumpmark" id="631625318" data-title="Claims scenarios"></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Claims scenarios </h2> </div> </div> </div> </div> </div> <div class="row "> <div class="row aem-GridColumn aem-GridColumn--default--12"> <div class="col col-6"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>A company employee received an email that appeared to be from a legitimate source but was in fact a phishing attack. The employee clicked on a link and allowed a cybercriminal to extract the company’s data, including personal and credit card data pertaining to clients. How does Cyber coverage respond? </p> <p><strong>First-party coverage </strong></p> <ul><li>While coverage application is determined by individual claims analysis, first-party Cyber insurance coverage can: </li><li>Pay to investigate the source and extent of the data breach </li><li>Notify clients of the breach and what information was extracted </li><li>Provide for the purchase of credit monitoring services </li><li>Reimburse the insured for business interruption and lost revenue </li><li>Provide for PR to protect the insured’s reputation </li><li>Pay ransom to have data unencrypted in the case of ransomware/cyber extortion </li><li>Pay ransom to a cyber-extortionist who is holding data hostage </li></ul> <p><strong>Third-party coverage </strong></p> <p>If the same data breach occurs on a third party’s network or systems, third-party Cyber insurance can:</p> <ul><li>In the event of a lawsuit, respond to an insured’s covered attorney’s fees, legal expenses, and settlements or assessed damages </li><li>If the insured is a technology business, Technology E&O insurance defends against lawsuits pertaining to data breaches, professional negligence, inadequate or incomplete work, and critical timelines missed </li></ul> <p> </p> </mr-e-text> </div> </div> <div class="col col-6"> <div class="image section"> <figure class="figure "> <div class="imageBasic " data-ratio="0.75"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.2850.3800.1425,0,4275,3800.file/GettyImages-2029004627.jpg" alt="Claims scenarios" srcset="/content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.2560.3413.1425,0,4275,3800.file/GettyImages-2029004627.jpg 2560w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.1920.2560.1425,0,4275,3800.file/GettyImages-2029004627.jpg 1920w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.1280.1707.1425,0,4275,3800.file/GettyImages-2029004627.jpg 1280w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.640.853.1425,0,4275,3800.file/GettyImages-2029004627.jpg 640w, /content/dam/munichre/global/images/royalty-free-mediaportal/GettyImages-2029004627.jpg/_jcr_content/renditions/original.image_file.320.427.1425,0,4275,3800.file/GettyImages-2029004627.jpg 320w" sizes="(min-width: 960px) 885px, 100vw" title="Claims scenarios"/> </div> <span class="imageBasic__title">© Maskot / Getty Images</span> </div> </figure> </div> </div> </div> </div> <div class="row "> <div class="col "> <div class="callToAction aem-GridColumn aem-GridColumn--default--12"> </div> <div class="contactCollection aem-GridColumn aem-GridColumn--default--12"> <div class="contacts " data-article-info-jump-target> <div hidden id="experts-count">1</div> <div class="contacts__wrapper"> <div class="contacts__headline"> Contact us </div> <div class="contacts__outer"> <div class="contacts__inner"> <div class="contacts__item col"> <div class="contacts__item-inner"> <div class="contacts__accordion"> <div class="contacts__content-image"> <figure class="figure"> <div data-cmp-lazy="true" data-cmp-src="/content/dam/munichre/mram/images/mrsi/contact-images/Pacheco-Headshot.jpg" data-cmp-widths="100, 120, 150, 180" class="cmp-image"> <img class="cmp-image__image" data-cmp-hook-image="image" alt="Steve Pacheco" title="Steve Pacheco" src="/content/dam/munichre/mram/images/mrsi/contact-images/Pacheco-Headshot.jpg/_jcr_content/renditions/original./Pacheco-Headshot.jpg"/></img> </div> </figure> </div> <div> <div class="contacts__content-head"> Steve Pacheco </div> <div class="contacts__content-subheadline"> US Head of Cyber and Technology E&O </div> </div> <span class="contacts__icon icon-arrow-down"></span> </div> <div class="contacts__content"> <div class="contacts__content-subheadline contacts__content-subheadline--faded"> </div> <div class="contacts__content-text"> Munich Re Specialty – Global Markets </div> <div class="contacts__details"> <dl class="contacts__details-list"> <dt class="contacts__details-list-label">Phone</dt> <dd class="contacts__details-list-value"> <a href="tel:(562)%20362-2179" class="contacts__content-phone">(562) 362-2179</a> </dd> </dl> <dl class="contacts__details-list"> <dt class="contacts__details-list-label">Email</dt> <dd class="contacts__details-list-value"> <a href="mailto:steve.pacheco@munichre.com" class="contacts__content-email">steve.pacheco@munichre.com</a> </dd> </dl> <dl class="contacts__details-list"> <dt class="contacts__details-list-label">vCard</dt> <dd class="contacts__details-list-value"> <a href="/content/experience-fragments/munichre/mrwebsites/contacts/P/pacheco-steve/master/_jcr_content/root/expert.vcard.vcf" class="contacts__content-vcard">Download</a> </dd> </dl> </div> <div class="contacts__social-media"> <ul class="contacts__social-media-list"> <li class="contacts__social-media-list-item"> <a href="https://www.linkedin.com/in/steve-pacheco-9417a08/" class="icon icon__linkedin" target="_blank"></a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div class="h2"> <div class="jumpmark" id="2010616665" data-title="Tools and downloads"></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Tools and downloads </h2> </div> </div> </div> <div class="teaserRowCw teaserRowCw--width-25 aem-GridColumn aem-GridColumn--default--12"> <div class="teaserRowCw__wrapper" data-lazy-animation="appear-bottom"> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/Public-Entity-Federal-Cybersecurity-Grant-guide.pdf/_jcr_content/renditions/original./Public-Entity-Federal-Cybersecurity-Grant-guide.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Public Entity Federal Cybersecurity Grant guide</div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 50 KB </div> </div> </a> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/Cyber-Regional-Contact-Sheet.pdf/_jcr_content/renditions/original./Cyber-Regional-Contact-Sheet.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Contact Sheet </div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 6 MB </div> </div> </a> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/specialty-insurance/SIS-Cyber_Brochure.pdf/_jcr_content/renditions/original./SIS-Cyber_Brochure.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Brochure</div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 3 MB </div> </div> </a> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/specialty-insurance/SIS_ReFLEX_SellSheet.pdf/_jcr_content/renditions/original./SIS_ReFLEX_SellSheet.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Reflex Overview</div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 10 MB </div> </div> </a> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/Munich-RE-PERS-Cyber-Sell-Sheet.pdf/_jcr_content/renditions/original./Munich-RE-PERS-Cyber-Sell-Sheet.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Public Entity Cyber</div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 1 MB </div> </div> </a> <a class="modularTeaser modularTeaser--standard " href="/content/dam/munichre/mram/content-pieces/pdfs/Cyber-Breach-Response-Vendors-FS-Web-Final.pdf/_jcr_content/renditions/original./Cyber-Breach-Response-Vendors-FS-Web-Final.pdf" target="_blank"> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">Cyber Breach Response Vendor Panel</div> <div class="modularTeaser__link modularTeaser__link--download" aria-label="link"> PDF, 515 KB </div> </div> </a> </div> </div> </div> </div> </div> </div> <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> <div class="row "> <div class="col "> <div class="inspireSectionWrapper aem-GridColumn aem-GridColumn--default--12"> <div class="inspireSection mr-m-inspire-section" data-lazy-animation="inspire-section"> <div class="imageBasic imageBasic--ultraWide " data-ratio="2"> <div class="imageBasic__inner"> <picture><source media="(min-width: 1280px)" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.2560.1280.0,120,3840,2040.file/GettyImages-1346778342.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.1280.640.0,120,3840,2040.file/GettyImages-1346778342.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.768.384.0,120,3840,2040.file/GettyImages-1346778342.jpg 768w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.640.320.0,120,3840,2040.file/GettyImages-1346778342.jpg 640w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.320.160.0,120,3840,2040.file/GettyImages-1346778342.jpg 320w" /><source media="(min-width: 768px)" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.1280.1280.840,0,3000,2160.file/GettyImages-1346778342.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.1180.1180.840,0,3000,2160.file/GettyImages-1346778342.jpg 1180w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.1024.1024.840,0,3000,2160.file/GettyImages-1346778342.jpg 1024w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.940.940.840,0,3000,2160.file/GettyImages-1346778342.jpg 940w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.712.712.840,0,3000,2160.file/GettyImages-1346778342.jpg 712w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.575.575.840,0,3000,2160.file/GettyImages-1346778342.jpg 575w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.393.393.840,0,3000,2160.file/GettyImages-1346778342.jpg 393w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.320.320.840,0,3000,2160.file/GettyImages-1346778342.jpg 320w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.210.210.840,0,3000,2160.file/GettyImages-1346778342.jpg 210w" /><source srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.768.1536.1380,0,2460,2160.file/GettyImages-1346778342.jpg 768w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.640.1280.1380,0,2460,2160.file/GettyImages-1346778342.jpg 640w, /content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.320.640.1380,0,2460,2160.file/GettyImages-1346778342.jpg 320w" /><img src="/content/dam/munichre/global/images/royalty-free/GettyImages-1346778342.jpg/_jcr_content/renditions/original.image_file.2560.1280.0,120,3840,2040.file/GettyImages-1346778342.jpg" alt="Perspectives" title="Perspectives"/></picture> </div> <span class="imageBasic__title">© traffic_analyzer / Getty Images</span> </div> <div class="inspireSection__reducedWidth"> <div class="inspireSection__reducedWidthContentArea"> <div class="h2"> <div class="cmp-title"> <h2 class="cmp-title__text">Perspectives</h2> </div> </div> <div class="inspireSection__teaserArea"> <div class="inspireSection__teaserAreaHeadline"> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.munichre.com/en/insights/cyber/global-cyber-risk-and-insurance-survey.html" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic imageBasic--ultraWide " data-ratio="1.778"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.4500.2531.0,235,4500,2766.file/GettyImages-1141760307.jpg" alt="Navigating today’s cyber market" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.2560.1440.0,235,4500,2766.file/GettyImages-1141760307.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.1280.720.0,235,4500,2766.file/GettyImages-1141760307.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.1180.664.0,235,4500,2766.file/GettyImages-1141760307.jpg 1180w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.940.529.0,235,4500,2766.file/GettyImages-1141760307.jpg 940w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.712.401.0,235,4500,2766.file/GettyImages-1141760307.jpg 712w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.575.323.0,235,4500,2766.file/GettyImages-1141760307.jpg 575w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.393.221.0,235,4500,2766.file/GettyImages-1141760307.jpg 393w, /content/dam/munichre/global/images/royalty-free/GettyImages-1141760307.jpg/_jcr_content/renditions/original.image_file.210.118.0,235,4500,2766.file/GettyImages-1141760307.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Navigating today’s cyber market"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Insights</div> <div class="modularTeaser__text">Munich Re Global Cyber Risk and Insurance Survey 2024</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.munichre.com/us-non-life/en/solutions/specialty-insurance/the-human-firewall-and-modern-cyber-defense.html" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7778"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png./cropped.16_to_9.png" alt="The Human Firewall – and Modern Cyber Defense" srcset="/content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png./cropped.16_to_9.png 2560w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.1280.720.file/cropped.16_to_9.png 1280w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.1180.664.file/cropped.16_to_9.png 1180w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.940.529.file/cropped.16_to_9.png 940w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.712.401.file/cropped.16_to_9.png 712w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.575.323.file/cropped.16_to_9.png 575w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.393.221.file/cropped.16_to_9.png 393w, /content/dam/munichre/marc/images/Silhouette%20of%20virtual%20human%20on%20circuit%20pattern%20technology%203d%20illustration.png/_jcr_content/renditions/cropped.16_to_9.png.image_file.210.118.file/cropped.16_to_9.png 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="The Human Firewall – and Modern Cyber Defense"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline"></div> <div class="modularTeaser__text">The Human Firewall – and Modern Cyber Defense</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.munichre.com/en/insights/digitalisation/ai-in-underwriting-will-grow-but-not-displace-human-experience.html" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7509"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original./GettyImages-1322205545.jpg" alt="AI in underwriting will grow but not displace human experience" srcset="/content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.2560.1440.file/GettyImages-1322205545.jpg 2560w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.1280.720.file/GettyImages-1322205545.jpg 1280w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.1180.664.file/GettyImages-1322205545.jpg 1180w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.940.529.file/GettyImages-1322205545.jpg 940w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.712.401.file/GettyImages-1322205545.jpg 712w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.575.323.file/GettyImages-1322205545.jpg 575w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.393.221.file/GettyImages-1322205545.jpg 393w, /content/dam/munichre/global/images/royalty-free/GettyImages-1322205545.jpg/_jcr_content/renditions/original.image_file.210.118.file/GettyImages-1322205545.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="AI in underwriting will grow but not displace human experience"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Insights</div> <div class="modularTeaser__text">AI in underwriting will grow but not displace human experience</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> 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