Part of the sting of “Future Shock” is that the accelerated pace of change is not anticipated. In a world where most insureds rely on computers and networks to conduct day-to-day personal and commercial business, non-cyber adjusters must expect that they will face claims involving the use or loss of computer data and equipment. (Credit: the_lightwriter/Adobe Stock) Part of the sting of “Future Shock” is that the accelerated pace of change is not anticipated. In a world where most insureds rely on computers and networks to conduct day-to-day personal and commercial business, non-cyber adjusters must expect that they will face claims involving the use or loss of computer data and equipment. (Credit: the_lightwriter/Adobe Stock)

The idea of “Future Shock ”— that an accelerated pace of change causes social and psychological disruptions — dates from Alvin Toffler’s 1970 book of the same name. As it copes with the mutable nature of cyber risks, the insurance industry is experiencing such a shock. Insurers who write cyber liability policies are well-equipped to manage such claims, but what about carriers and adjusters who face such claims under more traditional policies — also known as “Silent Cyber?”

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