Howden’s fourth annual report on the cyber insurance market. The themes for this year’s edition are risk, resilience and relevance.This report reveals that more than half of premium growth is likely to emanate from non-U.S. territories. In the major European economies of Germany, France, Italy and Spain alone, the premium uplift potential in just replicating penetration levels recorded in more mature markets can be measured in the (high) hundreds of millions of euros.