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英国のサイバー賠償責任保険市場:主な傾向と今後の市場機会

Cyber Liability Insurance in the UK - Key Trends and Opportunities to 2017

発行 Timetric 商品コード 278937
出版日 ページ情報 英文 51 Pages
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英国のサイバー賠償責任保険市場:主な傾向と今後の市場機会 Cyber Liability Insurance in the UK - Key Trends and Opportunities to 2017
出版日: 2013年08月16日 ページ情報: 英文 51 Pages
概要

サイバー賠償責任保険は英国では歴史の浅い商品で、現在の市場規模は300〜400万英ポンド(損害保険市場の計上保険料総額のわずか0.01%)となっています。しかし、今後は480万英ポンドまで市場が拡大すると見られています。ITの普及と共に、ハッキングやデータ流出、事業中断といったサイバー上の脅威が高まっており、その原因調査や賠償、風評被害にそる損失は多額に上ります。既存の保険商品ではこうした問題に対応できない部分があり、そこにこの市場の可能性が存在しています。

当レポートでは、英国におけるサイバー賠償責任保険市場について分析し、世界全体の市場構造・動向や、市場動向の実績値と予測値(過去・今後5年間分)、サイバー賠償責任保険商品の主な特色、近年の市場動向(規制改訂・資本取引など)とその促進要因、流通チャネル、主要企業のプロファイル(主要データ、主力商品、主な競合企業、役員情報)などを調査して、その結果を概略以下の構成でお届けします。

第1章 エグゼクティブ・サマリー

第2章 イントロダクション

第3章 市場分析

  • 市場規模
  • 市場促進要因
    • サイバーリスクの増大
    • 高プロファイルデータの侵害
    • 通告の義務化
    • データ侵害の規制上のコスト
    • ソーシャルメディアによる損害
  • 市場の生産額
  • 流通

第4章 競争環境

  • 市場参入企業
  • 保険引き受け時の課題
  • 商品開発
  • 投資収益率
  • サイバー賠償責任保険:SWOT分析

第5章 ポーターのファイブフォース分析

  • サプライヤーの交渉力:中
  • バイヤーの購買力:中〜高
  • 参入障壁:中
  • 同業者との競合:中
  • 代替商品の脅威:中

第6章 資本取引

  • サイバー賠償責任保険専門のブローカーの登場
  • Charitiesが無料のサイバー監査を提供

第7章 市場の最新動向

  • CFC Underwritingがサイバー保険のカバー範囲を更新
  • サイバー犯罪とデータ・プライバシーが、リスク管理担当者が最も懸念している項目である
  • 銀行はサイバー犯罪を最高の懸念事項7.3. Banks Rank Cyber Crime Their Top Concern
  • CRIFが資産のリスク対応度を検証
  • Beazleyがサービス拡張のための準備を整える

第8章 規制とコンプライアンス

  • 今後施行される規制
    • 一般データ保護規制
    • ソルベンシーII

第9章 マクロ経済の背景

  • 実質GDP成長率
  • 事業環境
  • インフレ率
  • 利子率
  • 人口増加率

第10章 企業プロファイル

  • Ace European Group Ltd
  • AIG Europe Ltd
  • Chubb Insurance Company of Europe SE
  • CNA Insurance Company Ltd
  • Hiscox Ltd
  • QBE Insurance (Europe) Ltd
  • XL Group Plc

第11章 付録

図表一覧

目次
Product Code: FS0102MR

The report provides market analysis, information and insights into the UK cyber liability insurance business.

It provides a global snapshot of market size.

It provides comprehensive analysis of drivers and market outlook.

It provides analysis of distribution channels.

It provides deals, news and regulatory developments.

Summary

Cyber liability insurance is a newly-established category in the UK, estimated by the industry to represent GBP3-4 million, or just 0.01% of the country's non-life gross written premiums. A large potential market exists, with an estimated 4.8 million private businesses in the UK. Developments in the use of information technology for business have raised the issue of liability in cyberspace. Firms collect, manage and store data electronically, social media interaction has increased and portable computing devices are growing in popularity. This technological evolution increases exposure to cyber threats such as hacking, extortion, data leaks and business downtime. A number of high-profile data leaks during 2011 and 2012 highlighted the costs involved when personal data is exposed; the monetary costs of launching an investigation and compensation payouts, as well as costs which are more difficult for underwriters to quantify, such as damage to reputation all have to be taken into consideration. Industry surveys suggest that firms are unaware of cyber liability products. It is likely that managers believe these intangible risks are covered by their existing commercial liability insurance policies, but traditional policies do not tend to address issues related to the internet or electronic data.

Scope

  • This report provides a comprehensive analysis of the cyber liability insurance market in the UK
  • It provides historical values for the UK's cyber liability insurance market for the report's 2008-2012 review period and forecast figures for the 2012-2017 forecast period
  • It analyses the key features of cyber liability insurance products
  • It provides an overview of claims, market dynamics and market drivers
  • It discusses various distribution channels for cyber liability insurance products in the UK
  • It profiles top cyber liability insurance companies in the UK and outlines the key regulatory changes affecting them

Reasons To Buy

  • Gain an understanding of the UK cyber liability insurance market size
  • Learn about the performance of market drivers and distribution channels
  • Understand the competitive landscape in terms of performance, profitability and product innovation
  • Find out more on key deals and recent developments in the market

About Timetric

Timetric is a leading provider of online data, analysis and advisory services on key financial and industry sectors. We provide integrated information services covering risk assessments, forecasts, industry analysis, market intelligence, news and comment.

Timetric helps over 1,500 financial services institutions and their partner companies around the world to benefit from better, more timely decisions and improve their competitive edge.

Table of Contents

1. Executive Summary

2. Introduction

  • 2.1. What is this Report About?
  • 2.2. Definitions
  • 2.3. Methodology

3. Market Analysis

  • 3.1. Market Size
  • 3.2. Market Drivers
    • 3.2.1. Growing cyber risk
    • 3.2.2. High profile data breaches
    • 3.2.3. Mandatory notification
    • 3.2.4. The regulatory cost of a data breach
    • 3.2.5. Social media liability
  • 3.3. Market Outlook
  • 3.4. Distribution

4. Competitive Landscape

  • 4.1. Participants
  • 4.2. Underwriting Issues
  • 4.3. Product Innovation
  • 4.4. Investment Returns
  • 4.5. Cyber Liability Insurance - SWOT Analysis

5. Porter's Five Forces Analysis

  • 5.1. Bargaining Power of Suppliers: Medium
  • 5.2. Bargaining Power of Buyers: Medium to High
  • 5.3. Barriers to Entry: Medium
  • 5.4. Intensity of Rivalry: Medium
  • 5.5. Threat of Substitution: Medium

6. Deals

  • 6.1. Specialist Cyber Liability Broker Set Up
  • 6.2. Charities Offered a Free Cyber Audit

7. News

  • 7.1. CFC Underwriting Upgrades Cyber Coverage
  • 7.2. Cyber Crime and Data Privacy Top Concerns for Risk Managers
  • 7.3. Banks Rank Cyber Crime Their Top Concern
  • 7.4. CRIF Surveys Assess Readiness
  • 7.5. Beazley Gears Up to Expand Its Offerings

8. Regulation and Compliance

  • 8.1. Upcoming Regulations
    • 8.1.1. General Data Protection Regulation
    • 8.1.2. Solvency II

9. Macroeconomic Backdrop

  • 9.1. Real GDP Growth
  • 9.2. Business Environment
  • 9.3. Inflation
  • 9.4. Interest Rates
  • 9.5. Demographics

10. Company Profiles

  • 10.1. Ace European Group Ltd - Company Overview
    • 10.1.1. Ace European Group Ltd - key facts
    • 10.1.2. Ace European Group Ltd - main products
    • 10.1.3. Ace European Group Ltd - main competitors
    • 10.1.4. Ace European Group Ltd - key employees
  • 10.2. AIG Europe Ltd - Company Overview
    • 10.2.1. AIG Europe Ltd - key facts
    • 10.2.2. AIG Europe Ltd - main products
    • 10.2.3. AIG Europe Ltd - main competitors
    • 10.2.4. AIG Europe Ltd - key employees
  • 10.3. Chubb Insurance Company of Europe SE - Company Overview
    • 10.3.1. Chubb Insurance Company of Europe SE - key facts
    • 10.3.2. Chubb Insurance Company of Europe SE - main products
    • 10.3.3. Chubb Insurance Company of Europe SE - main competitors
    • 10.3.4. Chubb Insurance Company of Europe SE - key employees
  • 10.4. CNA Insurance Company Ltd - Company Overview
    • 10.4.1. CNA Insurance Company Ltd - key facts
    • 10.4.2. CNA Insurance Company Ltd - main products
    • 10.4.3. CNA Insurance Company Ltd - main competitors
    • 10.4.4. CNA Insurance Company Ltd - key employees
  • 10.5. Hiscox Ltd - Company Overview
    • 10.5.1. Hiscox Ltd - key facts
    • 10.5.2. Hiscox Ltd - main products
    • 10.5.3. Hiscox Ltd - main competitors
    • 10.5.4. Hiscox Ltd - key employees
  • 10.6. QBE Insurance (Europe) Ltd - Company Overview
    • 10.6.1. QBE Insurance (Europe) Ltd - key facts
    • 10.6.2. QBE Insurance (Europe) Ltd - main products
    • 10.6.3. QBE Insurance (Europe) Ltd - main competitors
    • 10.6.4. QBE Insurance (Europe) Ltd - key employees
  • 10.7. XL Group Plc - Company Overview
    • 10.7.1. XL Group Plc - key facts
    • 10.7.2. XL Group Plc - main products
    • 10.7.3. XL Group Plc - main competitors
    • 10.7.4. XL Group Plc - key employees

11. Appendix

  • 11.1. Methodology
  • 11.2. Contact Us
  • 11.3. About Timetric
  • 11.4. Disclaimer

List of Tables

  • Table 1: Insurance Industry Definitions
  • Table 2: Cyber Liability Insurance: Risks
  • Table 3: Fines Issued by the Information Commissioner's Office, 2011-2013
  • Table 4: Cyber Liability Insurance: Market Participants
  • Table 5: UK Cyber Liability Insurance - Market SWOT Analysis
  • Table 6: Recent and Upcoming Regulatory Changes
  • Table 7: Ace European Group Ltd, Key Facts
  • Table 8: Ace European Group Ltd, Main Products
  • Table 9: Ace European Group Ltd, Key Employees
  • Table 10: AIG Europe Ltd, Key Facts
  • Table 11: AIG Europe Ltd, Main Products
  • Table 12: AIG Europe Ltd, Key Employees
  • Table 13: Chubb Insurance Company of Europe SE, Key Facts
  • Table 14: Chubb Insurance Company of Europe SE, Main Products
  • Table 15: Chubb Insurance Company of Europe SE, Key Employees
  • Table 16: CNA Insurance Company Ltd, Key Facts
  • Table 17: CNA Insurance Company Ltd, Main Products
  • Table 18: CNA Insurance Company Ltd, Key Employees
  • Table 19: Hiscox Ltd, Key Facts
  • Table 20: Hiscox Ltd, Main Products
  • Table 21: Hiscox Ltd, Key Employees
  • Table 22: QBE Insurance (Europe) Ltd, Key Facts
  • Table 23: QBE Insurance (Europe) Ltd, Main Products
  • Table 24: QBE Insurance (Europe) Ltd, Key Employees
  • Table 25: XL Group Plc, Key Facts
  • Table 26: Group Plc, Main Products
  • Table 27: Group plc, Key Employees

List of Figures

  • Figure 1: UK Business Population, 2000-2012
  • Figure 2: Proportion of UK Businesses with a Website, 2006-2011
  • Figure 3: Cyber Attacks on UK Businesses, 2012
  • Figure 4: Proportion of UK Businesses Collecting Customer Data, 2006-2011
  • Figure 5: Average Cost of an Organization's Worst Cyber Incident, 2012
  • Figure 6: Number of Self-reported Data Breaches, 2008-2012
  • Figure 7: Self-reported Data Breaches by Sector, Since December 2012
  • Figure 8: UK Household Insurance - Five Forces Analysis
  • Figure 9: The UK's Insurance Regulatory Framework
  • Figure 10: Real GDP Growth (%), 2008-2017
  • Figure 11: UK Economic Sentiment Indicator, 2010-2013
  • Figure 12: Headline Inflation (%), 2001-2012
  • Figure 13: UK Population Growth and Median Age, 1995-2012
  • Figure 14: UK Standards of Living (GBP), 1997-2011
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