While everyone is discussing AI risk, the CIF New York Forum 2026 surfaced a different set of challenges:
The cyber insurance market’s biggest challenge isn’t necessarily AI. It’s the gap between perceived risk and operational reality.
Some of the findings that were raised during the forum:
→ Over 60% of assessed organisations lacked MFA on critical access points.
→ Policies written today may already be accumulating future quantum-related exposure through “Harvest Now, Decrypt Later” risks.
→ Business interruption claims remain hampered by inconsistent terminology and valuation methods.
Under the Chatham House Rule the report explores four themes:
• AI as a force multiplier, not a new peril
• Why compliance doesn’t equal security
• The business interruption settlement challenge
• The quantum horizon and long-tail cyber exposure
If you work in cyber insurance, broking, underwriting, security, or risk management, this report offers practical takeaways on where the market should focus next.