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2026 CYBER CLAIMS REPORT

Average claims cost fell 19% as attacks increased

Despite mounting cyber threats, Coalition policyholders worldwide experienced a significant year-over-year decrease in claims severity. See why in our new report.

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KEY FINDINGS

Must-Know Cyber Risk Trends

Stay ahead of cyber threats with our latest analysis of real cyber claims across 100K+ global policyholders.

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EMAIL-BASED ATTACKS

Threat actors favored email as a gateway for attacks

Business email compromise (BEC) and funds transfer fraud (FTF) accounted for 58% of all claims
52% of FTF claims originated as a BEC with an average loss of DKK 709K / SEK 1M
71% of all FTF claims were a direct result of social engineering

RANSOMWARE

Ransom demands surged, but payouts are drying up

Initial ransom demands surged 47% to an average of over $1M
86% of businesses hit by ransomware refused to pay the demand
70% of ransomware events involved encryption and data exfiltration, often doubling incident cost

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MORE CLAIMS TRENDS

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Positive Outcomes

The Power of Active Insurance^*

64% of closed claims resulted in no out‑of‑pocket loss for policyholders
Coalition recovered DKK 138M / SEK 197M in stolen funds, averaging DKK 1.3M / SEK 1.8M per incident
Incident response negotiated ransom payments down by an average of 65%

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Data is sourced from Coalition’s 2026 Cyber Claims Report, an analysis of real-world claims from over 100,000 global policyholders between January 1 and December 31, 2025. These high-level insights reflect global trends and are not specific to any single country or insurance product. All financial figures were converted from US Dollars to Danish Krone (DKK) and Swedish Krona (SEK) using 0.16:1 and 0.11:1 conversion rates respectively on 20 February 2026.

* The claim scenarios above are provided for educational purposes only, and solely to illustrate how a claim could be (but not necessarily will be) handled; they are not necessarily representative of all claim outcomes and no guarantee is made as to the results other claimants may achieve.