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Insurance Solutions
Formerly Moody’s RMS
Mike Steel, General Manager, Insurance Solutions at Moody’s, as he explores how Moody’s is committed to partnering with the insurance sector and tech companies to enhance understanding of cyber risks and drive industry growth. Discover how these efforts aim to empower the industry to meet the evolving challenges of cyber risk management.
Cyber insurers face a dynamic and confusing risk outlook. For instance, according to a recent cyber report from broker Howden, during the COVID-19 pandemic, cyber insurance premiums surged between 2020 and 2022 in response to the remote working boom.
Unlock an advanced data-driven framework to analyze complex exposure and quantify systemic loss potential across a portfolio of cyber risks.
The dynamic nature of cyber risk is reshaping the (re)insurance landscape, requiring a new paradigm of risk management to harness its potential for unparalleled growth. Moody’s is at the forefront, delivering consistent risk quantification and pricing with detailed insights into both attritional and catastrophic cyber risks.
Quantify exposure across different types of coverage and gain insights into event frequencies and severities at detailed levels.
Unify your cyber insights across network intrusion, digital infrastructure outage, and physical loss to identify risk drivers and areas of growth.
Leverage a future-proof risk modeling framework that accurately captures tail risk, to better inform your capacity and capital strategy.
Moody’s Cyber Solutions supports key functions across the (re)insurance value chain. Let’s explore the key capabilities designed to unlock growth potential and improve efficiency and decision-making across the industry’s core areas.
Underwriting and pricing
Risk transfer and capital allocation
Gain deep insights into key event risk drivers through comprehensive analysis of five IT and six cyber-physical perils, supported by full Year Loss Table (YLT), Year Event Loss Table (YELT), and Exceedance Probability (EP) curves for refined risk evaluation. Our model offers the flexibility to tailor your analysis, aligning with your underwriting standards and pricing strategies. Greater adaptability ensures improved pricing and a competitive edge by allowing a detailed understanding of the complex cyber risk landscape.
Enhance your approach to managing capital requirements and designing effective risk transfer mechanisms. Our robust risk framework models the real-world physics and dynamics of the cyber digital ecosystem, providing a complete view of potential threats and attacks for a future-proof view of cyber risk. By identifying key risk drivers and aggregation points, our model sheds light on the events that drive tail risk, facilitating informed strategic decision-making in risk transfer and capital allocation.
Hear first-hand from customers how Moody’s RMS Cyber Risk Models are helping unravel the complexity of cyber risk and unlock opportunities.
Crystal Boch, Senior Director of U.S. Cyber Analytics at Aon, discusses the evolution of cyber models in insurance and emphasizes the urgent need for innovation, noting that 80% of economic losses from cyber events remain uninsured.
Justyna Pikinska and Matthew Harrison from Gallagher Re reflect on advancements and exciting milestones in the cyber modeling market over the past decade.
Justyna Pikinska and Matthew Harrison from Gallagher Re discuss the evolving cyber model landscape and the need for a multi-model approach to address complex risks.
Join Alice Woolley from Moody’s and Richard Gray from Beazley as they discuss the transformative role of capital markets in cyber insurance.
Moody’s Launches Cyber Industry Steering Group to facilitate growth potential of the global cyber insurance market.
Munich Re, Gallagher Re, and Bitsight join as founding members of the Steering Group.
As cyber risk continues to rapidly evolve, it can be challenging to decide which modeling approach best captures the risk and fits your needs. The Moody’s Cyber Solutions buyer’s guide can help you ask the right questions so that you can start quantifying your cyber exposure, uncovering loss drivers, and maximizing capacity.
Insurers are well versed in managing natural catastrophe risk, but are they ready to manage a cyber catastrophe? As the world continues to become more digitally connected, the risk of a cyber catastrophe event is increasing. Unlike most natural catastrophes, a cyber attack has the potential to spread beyond a specific location and may also grow over time.
With the cyber insurance market offering significant growth potential, (re)insurers are considering how to capitalize on this opportunity through prudent expansion of their underwriting capacity.
The successful issuance of the first full cyber catastrophe bonds in late 2023 was a watershed moment and the role of risk models in helping insurance-linked securities investors get up to speed on what is still a relatively new peril to the ILS sector was key, executives at Moody's told us in an Artemis Live video interview.
With heightened attention on the placement of cyber risk into the capital markets - and the market’s first cyber catastrophe bonds now live in 2023 - this webinar offers unprecedented insights into how we approach this peril and how Moody’s Cyber Solutions can be used to model new issuances.
With cyber threats escalating and almost 70% of customers surveyed by Moody’s expecting cyber to see the most opportunity in the next 3-5 years, it’s clear that understanding this area is crucial. However, finding the right approach to managing cyber risk across underwriting and Enterprise Risk Management (ERM) can be difficult due to the ever-changing threats and a need for clear insights.
Gallagher Re and Moody’s have a closely aligned philosophy in modeling catastrophic cyber risk. Through this collaboration, the global reinsurance broker is leveraging a sophisticated actuarial approach to help its clients measure and price the underlying risk and grow their business.
The demand for cyber insurance continues to escalate as businesses grow increasingly reliant on digital infrastructure for their everyday operations, and cyber threats become ever more sophisticated.
A rapidly advancing technology, quantum computing has the potential to solve problems that traditional computers cannot.
Quantum technologies are set to change our lives permanently.
A rapidly advancing technology, quantum computing has the potential to solve problems that traditional computers cannot. Yet, for decades, it has been known that quantum mechanical effects and their properties can be exploited.
Find the right cyber risk models for your business
