日内瓦协会：2026年通过保险加强网络安全韧性报告（英文版）

Cyber incidents are becoming more frequent and more costly. The median annual loss of a cybersecurity breach has risen 15-fold over the past 15 years, from USD 190,000 to nearly USD 3 million. Losses from major incidents have also grown sharply, exceeding on average USD 28 million within the top 10% of loss events in 2024, almost five times the level recorded in 2008. Given geopolitical tensions, rapid digitalisation and use of artificial intelligence (AI), shifting regulatory requirements, a