The insurance market cycle is shaped by macroeconomic conditions, loss experiences, and capital availability—fluctuating between hard and soft phases. In cyber, these shifts happen at an accelerated pace, with sharper peaks and deeper troughs than other lines of business.
A lack of long-term data and stakeholder confidence has contributed to this volatility, limiting new entrants and constraining capacity just when the market is poised for growth. But what if the industry could smooth out these extremes—ensuring resilience rather than retreat in the face of events?
Gallagher Re believes the key lies in proactive preparation. Sustainable cyber growth depends on balancing supply and demand, securing capital that remains committed even during downturns, and fostering underwriting strategies that evolve rather than contract in response to loss.
By applying lessons from past cycles, the industry can develop cyber insurance into a more stable, scalable, and profitable market—one that thrives despite short-term fluctuations.
Unlock the potential for sustainable cyber growth—explore The Quest for Growth report to discover strategies for navigating market volatility and achieving long-term profitability. View the report and delve into insights that can help transform your approach to cyber insurance.
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