With the rapid spread of digitalization, cyber risks are also an increasingly serious threat to businesses \u2013 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.<\/p>\n
In this situation, independent insurance brokers \u2013 who have always been able to keep the client's interests in mind \u2013 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:<\/p>\n
Cyber insurance alone does not protect anyone \u2014 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 \u201cdigital gatekeepers\u201d to warn about new threats and support customers in making the right decisions.<\/p>\n