How Cyber Insurance is being rebuilt around Telemetry
“Nobody looks forward to their cyber insurance renewal process… That person doesn’t exist.”
We sit down with Vince Kearns and Stuart Essex to discuss how cyber insurance is being rebuilt around telemetry.
The big idea: telemetry is turning cyber renewals from a snapshot into a living picture.
When customers and underwriters have real visibility, the conversation shifts to:
- what risk actually looks like in the environment
- what’s truly prioritised (vs. box-ticking)
- and ultimately, who earns better terms
Telemetry can highlight not just the riskiest organisations but the riskiest behaviours inside the organisation, including where people browse and what AI tools they use.
We’ll be discussing frameworks for identifying concentration exposures in your portfolio, 3 realistic catastrophe scenarios with estimated impact ranges, and shared methodology for stress testing that both primary and reinsurer teams can use in renewals discussions.
What We’ll Tackle:
1. Cloud Infrastructure Aggregation
– Identifying hidden concentrations across AWS/Azure/GCP
– Business interruption triggers from single cloud provider failure
2. Software Supply Chain Dependencies
– Modeling downstream impact of critical vendor compromise
– CrowdStrike-style scenarios – operational failure vs. malicious attack
3. Correlation vs. Independence Assumptions
– Where current models underestimate simultaneous claims
– Geographic/sector diversification – does it actually reduce systemic risk?
4. Realistic Loss Scenarios & Stress Testing
– Building credible catastrophe scenarios with limited historical data
– PML estimates reinsurers will accept vs. what actuaries can defend
Why Now?
Reinsurers are increasingly challenging primary insurers’ accumulation assumptions, while regulators demand stress testing that current models can’t support. With limited historical data for systemic cyber events, both sides need new approaches to quantify concentration risk.
Attendees:
– Head of Cyber Cat Modeling/Portfolio Management
– Chief Actuary / CRO
– Reinsurance Brokers
– Reinsurer Underwriters & Cat Modelers
Participants
Guests
Stuart Essex
Managing Director and Co-founder @ Invision Cyber
Vince Kearns
Business Development, Cyber Risk @ Trend Micro