Перспективы рынка киберстрахования США под влиянием новых вызовов

Abstract

The article delves into the analysis of current trends in the cyber risk insurance market in the United States, which is both the driving force of the global insurance industry and a major victim of cyber attacks. The work highlights the key factors that define the current cyber insurance market landscape and influence the increasing frequency and severity of cyber attacks. Legislative initiatives to curb the activities of attackers and create an effective infrastructure to combat ransomware developers are examined, which in turn determine insurers' underwriting policies when assessing cyber risks. The research emphasizes the growth of alternative risk transfer mechanisms and instruments, as well as the increasing restrictions on underwriting risks of a systemic nature against the backdrop of escalating cyber threats. The article presents an assessment of the current state and outlines the prospects for the development of the US cyber insurance market with a focus on improving modeling mechanisms and attracting highly specialized personnel.