This source analyzes the favorable market conditions for cyber and technology Errors & Omissions (E&O) insurance despite an increase in claims and emerging global risks, highlighting that a well-capitalized and competitive market persists, extending favorable terms and pricing to buyers. It explains that while organizations have improved cybersecurity controls, leading to lower claim payouts, they must remain vigilant against evolving threats like AI-driven attacks, supply chain vulnerabilities, and ransomware. The text also examines regional market dynamics in North America and EMEA, where rates are declining due to abundant capacity and competition, and discusses key risk trends such as privacy litigation and cloud security breaches. Ultimately, the document suggests that despite ongoing challenges, the cyber and E&O market remains advantageous for businesses that actively enhance their cyber resilience strategies