Harvest now, decrypt later: Preparing for the quantum cyber threat

Cyber risk isn’t standing still, and neither can the insurance industry.

In his latest conversation with Insurance Insider, Ryan Kratz, Head of Cyber, North America, discusses with Meg Green why the market is beginning to stabilize, how AI is reshaping both cyber defense and cybercrime, and why insurers need to prepare for the next frontier: quantum computing.

As Ryan explains, the future of cyber underwriting isn’t just about preventing attacks. It’s about understanding how organizations will detect, respond to, and recover from them. That resilience, combined with disciplined, data-driven underwriting, will be critical as new threats emerge—including the “harvest now, decrypt later” risks posed by quantum computing.

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