Market Outlook
The cyber insurance market has not yet reached a saturation point, according to Macarena Bandres of Marsh. She noted that new buyers entering the sector and a steady flow of capacity are keeping competition vibrant and preventing pricing fatigue.
Pricing and Capacity Trends
Bandres explained that cyber insurance premium rates are expected to continue softening through the first half of 2026. This ongoing trend follows several years of price moderation after the sharp increases seen between 2020 and 2022.
The appetite of insurers to offer higher limits is strengthening. Clients are now seeing more opportunities to secure broader coverage as reinsurers and carriers regain confidence in their risk models.
Drivers Behind the Market Shift
The softening of rates reflects several interconnected factors:
- Improved underwriting discipline and more sophisticated modeling tools.
- Strengthened cybersecurity frameworks across industries.
- Reduced frequency of ransomware incidents in recent years.
Marsh expects these dynamics to promote sustainable growth rather than a return to the volatility seen earlier in the decade.
Industry Outlook into 2026
Experts anticipate that if claims remain stable and security standards continue to rise, insurers will likely sustain generous capacity levels. However, Bandres cautioned that market equilibrium depends on maintaining strong risk management and ongoing data sharing among insurers.
“The cyber market is showing maturity, but it still has room to grow as more firms recognize its crucial role in enterprise protection,” said Bandres.
Author’s Summary
The cyber insurance sector keeps expanding as Marsh forecasts continued rate easing into mid-2026, driven by steady capacity growth and improved cyber risk practices.
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