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Marsh Explains Silent Cyber and Provides Guidance to Help Maximize Cyber Coverage


“Silent cyber” refers to the exposure to cyber losses within traditional - i.e., property, casualty, and other non-cyber insurance policies that have not been expressly affirmed or excluded. The exposure is "silent." 

Insurers and regulators have expressed concerns that this exposure, which they contend they have been neither underwritten for nor priced, can create unmeasured portfolio exposure, and could lead to aggregate systemic risk. 

Insurers are responding by adopting various exclusions, limitations, and changes to non-cyber insurance policies.

However, for many organizations, these changes can lead to coverage uncertainty and confusion, and may create coverage gaps that impact or limit coverage of cyber risks.

Have you reviewed your policies and assessed the potential impact of such changes?

Marsh can help. We are designing tailored solutions to help our clients maintain and secure coverage, reduce and close coverage gaps, and maximize potential recoveries.

We have also prepared material to help you understand the issue and consider various solutions:

Our Frequently Asked Questions, updated in October 2020, explains new risk issues and recent market developments around the topic of Silent Cyber.

Reach out to Marsh to help you review and if necessary adapt your current policies to ensure you have adequate protection.