In its 2026 Predictions Report, CyberCube, a specialist provider of cyber risk analytics to the global insurance market, outlines how actionable data and operational efficiency are set to play a defining role for insurers and reinsurers in the year ahead.
The report emphasises that turning cyber risk insights into practical underwriting and portfolio actions will be essential to maintaining profitability under continued market pressure.
John Anderson, Sr. Principal Product Manager, CyberCube, said: “Companies that are investing in actionable data and processes that support underwriting discipline will be best positioned for bottom-line growth, and longer-term success.”
CyberCube’s analysis points to ongoing pricing constraints and difficult market conditions, which are limiting opportunities for profitable premium growth across both insurance and reinsurance. Against this backdrop, the report suggests that financial performance will increasingly depend on disciplined underwriting and the effective use of data to support decision-making.
The report attributes particular importance to investment in data-driven processes that strengthen underwriting consistency. CyberCube notes that greater emphasis on portfolio-level insight can help organisations identify adverse risk selection, promote uniform standards across underwriting teams, and contribute to stronger cyber resilience among insured organisations.
Efficiency is also highlighted as a growing priority, especially for insurers aiming to improve service levels while controlling costs. According to CyberCube, well-designed workflows can enable insurers to respond more effectively to customer needs and pursue profitable opportunities without proportional increases in staffing.
CyberCube further observes that many insurers are seeking growth in less developed cyber insurance markets, including parts of Europe. The report indicates that success in these regions will depend on clearly defined underwriting frameworks supported by streamlined processes and accessible, decision-ready data. These capabilities can help insurers improve the cyber maturity of insureds while maintaining portfolio quality.
The report also references the increasing role of artificial intelligence as a tool to support efficiency. Drawing on developments seen across other lines of business, CyberCube notes early signs that agent-based and generative AI may help automate aspects of underwriting and claims handling.
Given cyber insurance’s history of early adoption of new technologies, the report suggests the sector is well positioned to integrate these tools to simplify information gathering and operational processes without undermining financial performance.
