AGENDA

Attendees from the UK, Canada, Australia, Bermuda, and other former Commonwealth countries are invited for casual networking over breakfast as everyone adjusts to Eastern time. RSVP is required and space is limited; please request an invitation here.

We meet for another installment of the BI Working Group, this time anchored on Contingent Business Interruption Claims. We will tackle questions like: Does this traditional property insurance coverage language for CBI fit in cyber claims? Is CBI intended to control aggregation risk, and if so, is it working?  What unique challenges do we face in applying CBI provisions to BI losses in the retail, professional services, manufacturing, and logistics industries? How is A.I. beginning to impact CBI claims, and what’s next?  

Limited capacity. We will close doors after we reach our capacity of 50 participants.

1. Jane Warring (M), Zelle LLP
2. Harriet Bateman, MDD Forensic Accountants
3. Gwenn Cujdik, AXA XL
4. Lorraine Ekong, CFC
5. Jessica Eldridge, J.S. Held LLC
6. Christine Flammer, Old Republic
7. Jennifer Gibbs, Zelle LLP
8. Julie Choi Hawkinson, Atheria Law
9. Rica Herrera, Baker Tilly
10. Deborah Hirschorn, Lockton
11. Laurie Kamaiko, Saul Ewing LLP
12. Sasha Mabbott, Baker Tilly
13. Judy Selby, Tittmann Weix LLP

AI is becoming the operating system of the enterprise, while IoT connects it to the physical world. As organizations move from AI-assisted tools toward autonomous, agentic systems, connected devices increasingly become both inputs and execution points for AI-driven decisions. This shift creates new cybersecurity, liability, coverage, governance, and regulatory risks—particularly when business-critical IoT infrastructure is not fully inventoried, secured, or monitored.

1. Bridget White (M), Sophos
2. Margaret Curley, Lockton
3. Peyton Lassig, QBE Insurance
4. Sinéad Owen, S-RM
5. Daisy Tran, Munich Re

Cyber incident response brings together a policyholder in crisis, a broker advocating for its client, a claim professional applying the policy, and counsel and other service providers working to contain the loss. Their interests frequently align. Until they do not. What happens when the broker, claim professional, counsel, forensic firm, and accountant have different views of what happened, what is reasonable, and who should pay? Using realistic cyber claim scenarios, this panel will explore conflicts, privilege, candor, independent professional judgment, vendor neutrality, financial incentives, and the difficult task of preserving trust when sophisticated professionals reasonably disagree.

1. Stu Panensky (M), Pierson Ferdinand LLP
2. Ali Famularo, MDD Forensic Accountants
3. Hope Hockenbury, Hudson Insurance Group
4. Joe Niemczyk, Marsh
5. Kate Repko, Haynes Boone

1. Heather Osborne, NetDiligence

1. Daniel Tobok, CYPFER

1. Mark Camillo, CyberAcuView

1. Michael Bruemmer, Experian
2. Mark Greisiger, NetDiligence

Despite growing awareness of cyber risk, expanding cyber insurance adoption—particularly among small and mid-sized businesses—remains a significant challenge. This panel explores the barriers to growth, including product complexity, buyer expectations, affordability, and insurability, while examining whether the market can continue to scale without compromising underwriting discipline or long-term profitability.

1. Florian Happ (M), Munich Re
2. Erin Burns, CRC Group
3. Damini Mago, Marsh Re
4. Jamie Schibuk, Arch Insurance
5. Dan Trueman, Nostos

Website tracking technologies, AI, and behavioral profiling are creating new privacy and litigation risks for organizations. This panel explains how tracking pixels and similar technologies collect user data, how plaintiffs' attorneys identify potential claims, the role of arbitration and class action waivers in litigation strategy, and how AI systems leverage behavioral data to build increasingly detailed user profiles.

1. Shelby Dolen (M), Troutman Pepper Locke
2. Jill Fertel, KLA Legal LLP
3. Mike Saxton, Booz Allen
4. Peter Smith, AXIS
5. Stephanie Snyder Frenier, Gallagher

Learn about the evolving ransomware landscape and attack vectors/methods. Come away from this session with current sector intelligence to help develop effective policy coverage strategies and tactical policyholder due-diligence requirements in order to make cost-effective, ransomware-specific cyber insurance products available to the policyholders.

1. Matthew Dowling (M), Surefire Cyber
2. Marko Polunic, Fenix24
3. Virginia Romero, S-RM
4. Dan Ryan, Kroll
5. Andrea Vega, CYPFER

The cyber loss landscape is shifting quickly as AI-enabled fraud, increasingly sophisticated social engineering, and an aggressive plaintiffs’ bar create new challenges for insurers and policyholders. This panel will examine emerging loss trends—from ransomware and BEC to deepfakes, token theft, and evolving class action strategies—and explore how teams are adapting their response, coverage analysis, and defense strategies.

1. Lindsay Nickle (M), Constangy
2. Blake Feldman, Integreon
3. Christine Mapes, Travelers
4. Spencer Timmel, Safety National
5. Sara Trokan, Westfield Specialty

Artificial intelligence is rapidly transforming the cyber threat landscape, enabling more sophisticated identity attacks, phishing campaigns, and automated exploitation techniques while introducing new liability and governance challenges. This panel examines how AI is reshaping cyber risk, where current insurance policies may fall short, and what organizations can do to strengthen AI governance, identity protection, and detection capabilities in an increasingly AI-driven environment.

1. Neeraj Sahni (M), Aon
2. Gail Arkin, Berkley Cyber Risk Solutions
3. Michael Brunetti, MOXFIVE
4. Tim Nazzaro, HSB
5. Danielle Roth, AXA XL

Organizations continue to invest heavily in cybersecurity controls, but which ones consistently reduce cyber losses—and which fall short in practice? This panel challenges conventional wisdom by examining the real-world effectiveness of controls such as MFA, EDR/XDR, backups, and security awareness training, while exploring how implementation quality, operational complexity, and evolving attacker tactics influence claims outcomes.

1. Ankoni Lowman (M), Arrow Team
2. Dana Cuoco, At-Bay, Inc.
3. Dominik Cvitanovic, Wilson Elser
4. Chris LaFleur, TrendAI
5. Candice Wendt, Quorum Cyber

Cyber insurance has traditionally been viewed as a short-tail line, but emerging liability trends, delayed claims, and evolving legal exposures are challenging that assumption. This panel examines whether pricing, reserving, and growth strategies accurately reflect long-term loss development—and what a shift toward longer-tail risk could mean for insurers' profitability and capital management.

1. Tresa Stephens (M),
2. James Berry, Nostos
3. Eyad Kabbani, MMA
4. Lydia LaSalata, AXIS Re
5. Clay Stabert, Sompo

Data breach litigation continues to evolve as plaintiffs' attorneys develop new theories of harm and leverage forensic evidence to support increasingly sophisticated claims. This panel examines how breach cases are built, strategies for investigating and defending claims, and the ongoing legal debate over standing, damages, liability, and the ethics of filing lawsuits in the immediate aftermath of a cyber incident.

1. Ed Finn (M), Mullen Coughlin LLC
2. Raina Borrelli, Borrelli & Strauss LLP
3. Bill Hardin, Charles River Associates
4. Erin Hendrix, Tokio Marine HCC-CPLG
5. Melanie Witte, Crum & Forster

Despite advances in cybersecurity, many organizations continue to fall victim to preventable attacks caused by unpatched vulnerabilities, compromised credentials, and social engineering. This panel explores why fundamental security controls remain underimplemented—particularly among SMBs—and discusses how insurers, brokers, and policyholders can work together to improve resilience through stronger underwriting, education, and practical risk management.

1. Lynn Peachy (M), Arete
2. Nick Graf, CNA
3. Ashim Kapur, LevelBlue
4. Anju Owad, Brown & Brown
5. Melissa Ventrone, Clark Hill PLC

As multimedia liability claims continue to evolve, insurers, brokers, and policyholders face growing uncertainty over where coverage begins and ends. This panel explores the distinctions between multimedia, business, and privacy risks, examines common coverage gray areas, and discusses the underwriting challenges and policy language that shape this increasingly complex exposure.

1. Jeff Kulikowski (M), Westfield Specialty
2. Alexandra Bretschneider, Johnson Kendall Johnson
3. Marc Curvan, Allied World
4. Evan Fenaroli, Philadelphia Insurance Companies
5. Marty Leicht, Marsh

The convergence of artificial intelligence, operational technology, and connected medical devices is creating new cyber risks with direct implications for patient safety and healthcare operations. This panel explores emerging regulatory, liability, and insurance challenges as cyber events increasingly intersect with clinical care, examining how insurers are adapting to evolving exposures across cyber, medical malpractice, product liability, and D&O coverage.

1. Annamaria Landaverde (M), McGowan Excess Cyber
2. Imani Barnes, Brown & Brown
3. Doug Howard, Pondurance
4. Anahi Santiago, ChristianaCare
5. Aleksandra Vold, BakerHostetler

As organizations accelerate AI adoption, domain and DNS infrastructure have become critical—and often overlooked—drivers of cyber risk. This panel explores how threat actors exploit weaknesses in digital identity, domains, and trust infrastructure to enable phishing, impersonation, and large-scale fraud, while examining how insurers can better assess these exposures and evaluate policyholders' security practices.

1. Amy Mushahwar (M), Lowenstein Sandler LLP
2. Vincent D'Angelo, CSC
3. Eric Gisolfi, Advance
4. Stefanie Harris, CFC
5. Nadia Hoyte, Cyber Agent Solutions

As cyber exclusions expand across traditional property policies, organizations face growing uncertainty over how cyber-related physical damage and business interruption losses will be covered. This panel examines the emerging property protection gap, compares available cyber-caused property solutions, and explores the underwriting, modeling, and claims challenges shaping this evolving area of insurance coverage.

1. Britt Eilhardt (M), Brown & Brown
2. John Butler, E-Risk Services, a Nationwide Company
3. Joan D'Ambrosio, Atheria Law
4. Scott Kannry, Axio Global
5. Adam Taylor, Brit Insurance

New child safety laws and platform regulations are reshaping the risk landscape for digital platforms, introducing stricter requirements around age verification, content moderation, AI, and online interactions. This panel examines the resulting regulatory, liability, and insurance challenges, including emerging claims trends, evolving underwriting approaches, and key coverage considerations across cyber, media liability, and technology E&O.

1. Brian Horton, Breadcrumb Cyber
2. Cassie Quaranta, Crum & Forster
3. Stephen Reynolds, McDermott Will & Schulte
4. David Standish, Liberty Mutual Insurance

For years, credit monitoring has been the default remedy offered following a data breach, but today's privacy risks extend far beyond financial fraud. This panel examines whether traditional credit monitoring remains an effective form of consumer protection, how identity, privacy, and digital monitoring services are evolving, and whether regulators, courts, insurers, and plaintiffs' counsel are beginning to recognize broader approaches. The discussion will explore what these changes could mean for settlement expectations, notification strategies, and the future of breach response.

1. Brandon Hollinder (M), Epiq
2. Layna Cook Rush, Baker Donelson
3. Sarah Dufendach, Beazley
4. Ellie Ludlam, Pinsent Masons LLP

As cyber, technology E&O, and media/professional liability risks increasingly overlap, blended insurance policies are becoming more common—but are they the right solution? This panel explores the benefits and tradeoffs of combined forms, examining shared limits, coverage allocation, and whether consolidating distinct exposures creates greater efficiency or unintended gaps in protection.

1. Anthony Dolce (M), The Hartford
2. Brian Lewis, Lockton Re
3. Kyra Smerkanich, Saul Ewing LLP
4. Juliet White, Howden
5. Stephen Young, Canopius

The U.S. water sector faces growing cyber threats driven by aging infrastructure, fragmented operations, and increasing reliance on interconnected operational technology. This panel examines vulnerabilities across water systems, the potential operational and environmental consequences of cyber incidents, and the underwriting, aggregation, and resilience challenges insurers face as they assess this critical infrastructure sector.

1. Tony Anscombe (M), ESET
2. Elisabeth Case, EDC Solutions Inc.
3. Joshua Corman, CyberAcuView
4. Dean Ford, Muddy Paws Automation

The quantum threat to encryption is no longer theoretical, as organizations face “harvest now, decrypt later” attacks, weaknesses in current cryptographic standards, and growing uncertainty around future insurance coverage. This panel examines the broader quantum risk landscape and explores how organizations, insurers, and regulators can begin preparing for the transition to NIST-aligned post-quantum security. 

1. Bridget Quinn Choi (M), Gallagher
2. Thomas Barrett, Weightmans
3. Craig Linton, Beazley
4. Louisa Weix, Tittmann Weix LLP
5. Brandon Welch, Ankura

Privacy liability is increasingly arising from the misuse, collection, and handling of personal data—not just data breaches. This plenary explores the evolving regulatory landscape, emerging claims trends, and the growing complexities of coverage, helping organizations and insurers better understand and manage expanding privacy risks.

1. Alyssa Pianelli (M), QBE Insurance
2. Blair Dawson, McDonald Hopkins LLP
3. Shruti Engstrom, Aon
4. Benjamin Mancuso, Ascot Group
5. Michael Sarlo, HaystackID

The fourth and final workshop that started at NetDiligence 2025 closes at NetDiligence 2026 with a full-group capstone exercise and presentation of the frameworks, tools, and recommendations developed throughout the year.

Contact Mark Camillo ([email protected]) if you are a CyberAcuView member and would like to be added to the invitation list.  

CyberAcuView members will review output and provide feedback on:

• Underwriting Resilience: The 5 most valuable questions to assess OT risk
• Prioritization Framework: Force Mobilization vs. Continuity of the Economy vs. Health & Human Safety
• Educational Awareness: Policyholder expectation management considering war/infrastructure exclusions
• Crisis Communications: PR holding statements under various scenarios including hybrid warfare
• Operational Fusion Center: Putting the pieces together for a coordinated industry response

1. Mark Camillo (M), CyberAcuView

Contingent business interruption (CBI) and systemic cyber events remain among the most challenging risks for insurers to model and price due to interconnected third-party dependencies, limited historical loss data, and evolving aggregation exposures. This plenary explores how carriers are refining risk models, underwriting approaches, and pricing strategies to better account for supply chain concentration, systemic events, and capital constraints.

1. Ross Anderson (M), Vantage Risk
2. Tiffany Calhoun, Allianz Commercial
3. Jonas Schwade, cysmo
4. Tamara Snowdon, Beazley
5. Pratyush​ Uddagiri, Moody's

With cybersecurity regulations constantly evolving, understanding the latest developments is key to effective compliance and risk management. This plenary session provides a comprehensive overview of the latest regulatory developments shaping the cybersecurity and data privacy landscape. Spotlighting new and pending regulations, it will examine evolving federal trends toward regulatory consolidation and highlight significant international activity, with a particular focus on the EU, UK and APAC. Participants will leave equipped to manage evolving regulatory demands across domestic and international jurisdictions.

1. Matt Cullina (M), TransUnion
2. Reece Corbett-Wilkins, Atmos
3. Michelle Merola, Hodgson Russ LLP
4. Dan Pepper, Fisher & Phillips LLP
5. Justin Tivey, DAC Beachcroft