Underwriters, brokers, and reinsurers face a range of cyber threats. No insurance company wants to pay a fraudulent claim, no broker want to be leaking personal data, no reinsurer wants to be paying a reinsurance claim where there is the right information or the cedant is waiting to receive the pay-out – but there are plausible scenarios where hackers might be one step ahead. Imagine a scenario where there is a major “big ticket” claim that is being processes on, an incident like the Costa Concordia, for example.