Getting value from cyber insurance
Cyber Claims in Focus 2026
Willis Cyber is dedicated to helping organizations get more value and greater assurance from cyber insurance. To help you do this, this report uncovers the trends, causes and costs of the main cyber loss events most likely to hit your business.
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Our analysis draws on our dataset from 2013 to January 2026, representing around 5,500 claims from more than 95 countries, and around $1 billion in insurer payments. It shows cyber insurance is covering claims, with more than 95% of the average data breach loss and 90% of the average first-party loss being covered. However, we believe by analyzing how cyber losses are really happening, you can pinpoint how to get even more value from your cyber insurance and support more effective cyber risk management.
“Cyber insurance is covering claims, with more than 95% of the average data breach loss and 90% of the average first-party loss being covered...”
Our numbers show data breaches as the most frequently reported event, with malicious data breaches being the most frequently occurring type. Ransomware losses have the highest financial severity, largely driven by disrupted productivity and prolonged downtime. Third-party vendors are responsible for an increasing proportion of losses, while exposure to single third-party vendor incidents impacting multiple organizations continues to affect exposures.
AI isn't yet appearing as a stand-alone driver of cyber insurance claims, but is fueling risk volatility by materially amplifying existing threats such as social engineering and ransomware attacks.
This report includes practical ideas on how your business can get ahead of these major drivers of cyber insurance losses, as well as mitigate the impacts of regulation and AI on your cyber risk exposures.
Each core section gives you:
Key claims data insight
What this means for your business
Steps to better prepare, respond and recover from the cyber risks in focus.
To bring issues to life and share lessons learned, we also feature real-business case studies and industry-specific spotlights.
AI isn't yet appearing as a stand-alone driver of cyber insurance claims, but is fueling risk volatility”
What do ransomware losses look like now and how is cyber insurance responding? Read now
How can you assess and protect your business from third-party cyber risks now? Read now
How is AI driving claims and how is cyber insurance responding? Read now
Why is cyber regulation driving costs and how can you manage them? Read now
How can you get more value from cyber insurance in 2026? Read now
Five priority steps to get more value from cyber insurance Read now
How Willis Cyber helps you better assess, quantify, protect and recover from cyber risks Read now
