Light Upon CYber insurance / © Amrae - 22 - Medium-sized companies: the time has come For medium-sized companies, the big shift is still to come: in 2022, the number of companies covered increased by 53%, deteriorating the quality of the risk. The LOSS RATIO ratio has reached the symbolic threshold of 100%, with €4.50 million in claims paid for €4.50 million in premiums collected. We can therefore expect a less severe correction than in the Mid-cap market. However, the level of available capacity (€2.30 million) is likely to be squeezed and the premium rate increased (0.40% in 2022). Unless the increase in deductibles, already implemented in 2022 (their average amount has risen from €32,200 to €47,300), continues to cushion the blow. Medium-sized companies: changes in underwriting conditions n Evolution of the average premium rate n Evolution of the average subscribed capacity % 60 40 20 - -20 -40 -60 2020 2021 2022 45% -54% -1% 7% 13% 22%
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