Cyber Insurance Claims 2026: All-Time High Severity — Ransomware, Fraud, and Lawsuits Hit at Once

# Cyber Insurance Claims 2026: All-Time High Severity — Ransomware, Fraud, and Lawsuits Hit at Once

> **Quick answer:** Cyber insurance claims hit an all-time high average severity of $221,000 in 2025, according to the 2026 InsurSec Report from cyber insurance firm At-Bay. Ransomware severity climbed to $508,000 — a 16% increase — while third-party liability claims jumped 70%, driven by a new wave of privacy lawsuits. One ransomware gang, Akira, now accounts for more than 40% of all ransomware claims in the report's dataset. Businesses that report a breach within 72 hours recover funds 70% of the time; those who wait beyond two weeks recover less than 30%.

Cyber insurance claims 2026 data is in — and it is not reassuring. The annual InsurSec Report published by At-Bay on April 23, 2026, analyzed more than 100,000 policy years of claims data and found that every major threat category set records last year. Ransomware got more expensive. Financial fraud got smarter. And a wave of privacy wiretapping lawsuits created a category of liability most businesses didn't see coming. If you or your business carries cyber insurance — or is still deciding whether to buy it — this report is essential reading.

*This article is for informational purposes only and does not constitute financial or legal advice. Consult a qualified insurance professional or attorney for guidance specific to your business situation.*

## Cyber Insurance Claims Hit Record Severity in 2025

The headline number from At-Bay's 2026 InsurSec Report is $221,000 — the average severity of a cyber insurance claim across all incident types. That is an all-time high in the report's history.