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Le rapport souligne une détente tarifaire historique, marquée par une baisse spectaculaire des primes et des franchises, particulièrement pour les grandes entreprises. Parallèlement, le secteur observe une hausse inquiétante de la sinistralité, touchant principalement les entreprises de taille intermédiaire (ETI) dont les coûts d'indemnisation ont quadruplé.

The AMRAE study describes 2024 as a positive year for the cyber insurance market, with rising but manageable claim numbers. There's a notable increase in cyber insurance uptake, especially among intermediate and medium-sized businesses, suggesting broader market penetration.
For the first time in five years, premium volume slightly dropped, with an average 18% reduction in annual premium rates for large companies and declining deductibles, indicating increased market flexibility.
However, the report identifies emerging concerns. Claims and payouts for large companies are increasing significantly. Also, a slight capacity increase is not commensurate with rate decreases, suggesting large companies may have reduced budgets more than they've expanded capacity. The study emphasizes the continued importance of accurate cyber risk exposure measurement given geopolitical tensions and new attack vectors.