With the rapid spread of digitalization, cyber risks are also an increasingly serious threat to businesses – often causing damage that not only entails financial losses, but also business interruption and reputational damage. Traditional insurance models cannot be directly adapted to this area, as cyber risks are invisible, changing and complex.
In this situation, independent insurance brokers – who have always been able to keep the client's interests in mind – face a new challenge and opportunity. It is not enough to simply sell cyber insurance: they must actually perform a risk advisory role. Part of this is to:
- understand and be able to convey to customers in a clear manner the business consequences of a cyberattack,
- help you navigate the often complicated coverage conditions of insurance companies,
- They coordinate the work of the client, the insurer, and cybersecurity experts — because cyber insurance only provides real value if the defense is solid.
Cyber insurance alone does not protect anyone — it only becomes a valuable tool when there is active cooperation between professional actors and preventive measures are also implemented. The role of independent intermediaries is to act as “digital gatekeepers” to warn about new threats and support customers in making the right decisions.
More information about the role of independent insurance intermediaries in customer digital resilience can be found here:
solidium.hu – Cybersecurity and cyber insurance