Light Upon CYber insurance / © Amrae - 9 - 1. THE STATE OF THE MARKET IN 2022 The market is regaining room to maneuver Driven by large companies, the cyber insurance market is back in positive territory in 2022. With overall premium volume up 72% (or €315 million) and a historically low claims experience (€70.80 million, down 57% from 2021), insurers are regaining room for maneuver thanks to a claims/premium ratio of 22.3%. As a result, premium rates are stabilizing and the amount of available capacity is increasing again. At least in the large enterprise segment, which clearly sets the tone for the market. The French cyber insurance market 350 300 250 200 150 100 50 - 180 160 140 120 100 80 60 40 20 - 87 73 2019 2020 2021 2022 130 217 183 316 71 84% 167% 89% 22% €M % n Premiums n Claims l Loss ratio 164
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