New cyber risks. A new type of attack is credential-stuffing, where hackers take a stolen user name and password and run it through different sites to see if they can access information from other sources. (Photo: Shutterstock)

The cybersecurity landscape isn't necessarily getting worse, but it is definitely changing. Ten years ago, insurers highlighted hypothetical scenarios to generate coverage options for policyholders, explains Graeme Newman, chief innovation officer at London-based CFC Underwriting. Five years ago, there were significant retail breaches and credit card security improved with point-to-point and end-to-end encryption. Now there are more data breaches and cyber hacks.

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Patricia L. Harman

Patricia L. Harman is the editor-in-chief of Claims magazine, a contributing editor to, and chairs the annual America's Claims Event (ACE), which focuses on providing claims professionals with cutting-edge education and networking opportunities. She covers auto, property & casualty, workers' compensation, fraud, risk and cybersecurity, and is a frequent speaker at insurance industry events. Contact her at [email protected]