Only about one in 10 connected Americans say they have insurance to help them recover from a cyberattack. And close to half do not know whether they have this protection, according to the Insurance Information Institute and J.D. Power 2020 Consumer Cyber Insurance and Security Spotlight Survey℠. Because of consumer confusion about their current cyber coverage, and the persistent idea that consumers are unwilling to pay more, insurers are faced with a challenge.

The 2017 and 2018 wildfire seasons were a catastrophic shock to communities, legislators, and insurance companies. This was most evident in California, which suffered the largest and most destructive wildfires in state history. The aftermath of these disasters has led to the question of whether catastrophic wildfires will be the new normal for California and other fire-prone states and, if so, what can be done to mitigate them?

Small businesses are increasingly concerned about cyberrisk, but the Insurance Information Institute and J.D. Power 2019 Small-Business Cyber Insurance and Security Spotlight Survey^SM  finds many still are reluctant to insure against it. Based on a survey of more than 500 small business leaders, insurers, and insurance service providers, this paper addresses their continued hesitation and discusses cyber-related loss trends and how firms and their insurers are addressing these perils.