Cyber Rates Are Down, Risks Are Up but Small Businesses Slow to Adopt

The commercial cyber insurance market is strong and growing, but small to midsize businesses may be falling behind as cybercriminals ramp up AI efforts. “Cyber threats are evolving faster than many businesses can adapt, creating significant financial and operational challenges,” …

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.