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When it comes to cyber threats and how they continue to evolve, Adam Cottini, managing director of Gallagher's Cyber Liability practice, offers a chilling assessment: "You have the known, and the massive unknown."

The potential damages are at once serious and extensive: Physical loss. Financial loss, in myriad forms. Reputational loss. All of these perils are woven into a threat from which no insured is truly safe, regardless of their size or the industry in which they operate. As the digital frontier expands, every single client, to a greater or lesser degree, is exposed.

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Shawn Moynihan

Shawn Moynihan is Editor-in-Chief of National Underwriter Property & Casualty. A St. John’s University alum, Moynihan has earned 11 Jesse H. Neal Awards, the Pulitzers of the business press; seven Azbee Awards, from the American Society of Business Press Editors; two Folio Awards; and a SABEW award, from the Society of American Business Editors & Writers. Prior to joining ALM, he served as Managing Editor/Online Editor of journalism institution Editor & Publisher, the trade bible of the newspaper industry. Moynihan also has held editorial positions with AOL, Metro New York, and Newhouse Newspapers. He can be reached at [email protected].