NAIC报告：2025年美国网络保险赔付率升至53%，网络经济损失仅约1%有保险覆盖
全美保险监督官协会（NAIC）最新发布的网络安全保险市场报告显示，2025年美国网络保险的赔付率升至53%，在勒索软件等网络攻击持续频发的背景下，保险公司的赔付压力进一步加大。
报告同时显示，网络攻击造成的全部经济损失中，仅约1%有保险覆盖，意味着绝大多数企业与机构在遭受攻击后须自行承担停业、数据恢复与法律责任等损失，网络风险保障缺口仍然巨大。业内分析指出，许多中小企业尚未投保网络保险，或现有保额不足，是保障比例长期偏低的主要原因之一。
NAIC由全美50个州、哥伦比亚特区与各属地的保险监督官组成，其年度网络保险报告汇总各州保险公司上报的保费与赔付数据，是美国监管机构与保险业观察网络保险市场的主要依据。
NAIC Report: U.S. Cyber Insurance Loss Ratio Rose to 53% in 2025; Only About 1% of Cyber Economic Losses Insured
The latest cyber insurance market report from the National Association of Insurance Commissioners (NAIC) shows that the loss ratio for U.S. cyber insurance rose to 53% in 2025, as frequent ransomware and other cyberattacks continued to drive up claims costs for insurers.
The report also finds that only about 1% of all economic losses from cyber incidents are covered by insurance, meaning the vast majority of businesses and institutions must absorb the costs of downtime, data recovery and liability themselves after an attack — a protection gap that remains large. Industry analysts note that many small and midsize businesses have yet to buy cyber policies, or carry limits too low to cover their exposure, keeping insured losses a small share of the total.
The NAIC, made up of insurance regulators from all 50 states, the District of Columbia and U.S. territories, compiles its annual cyber insurance report from premium and claims data reported by insurers in each jurisdiction, making it a primary reference for U.S. regulators and the industry on the state of the cyber insurance market.
来源：GSM·美国（原文链接）
图片来源：图：数据中心服务器机架（资料图）。Sashimi-b摄，CC BY 4.0，来源：Wikimedia Commons / Photo: Server racks at a data center. Photo by Sashimi-b, CC BY 4.0, via Wikimedia Commons
