{"id":36151,"date":"2026-02-11T01:48:02","date_gmt":"2026-02-11T01:48:02","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/cyber-liability-and-underwriting-tools-market-mordor\/"},"modified":"2026-10-23T15:48:03","modified_gmt":"2026-10-23T06:48:03","slug":"cyber-liability-and-underwriting-tools-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/cyber-liability-and-underwriting-tools-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc0ac\uc774\ubc84 \ucc45\uc784 \ubc0f \uc778\uc218 \ub3c4\uad6c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d: \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2025-2030)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/cyber-liability-and-underwriting-tools-market-1753939882287-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/cyber-liability-and-underwriting-tools-market-size-image-1753939871711.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 \ub79c\uc12c\uc6e8\uc5b4 \uacf5\uaca9\uc758 \ube48\ub3c4 \ubc0f \uc2ec\uac01\uc131 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \uc758\ubb34 (GDPR, CCPA, DORA)<\/li>\n<li class=\"toc-level-3\">4.2.3 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubcf4\ud5d8 \uc778\uc218 \ud50c\ub7ab\ud3fc \ucc44\ud0dd \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 AI \uae30\ubc18 \uc704\ud611 \uc778\ud154\ub9ac\uc804\uc2a4 \ud1b5\ud569\uc758 \ubd80\uc0c1<\/li>\n<li class=\"toc-level-3\">4.2.5 \ub9e4\uac1c\ubcc0\uc218\ud615 \ubc0f \ub9c8\uc774\ud06c\ub85c \uc0ac\uc774\ubc84 \uc0c1\ud488\uc758 \ucd9c\ud604<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc810\uc218\ud654\ub97c \uc704\ud55c IoT\/OT \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130 \uc218\uc775\ud654<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 \ubcf4\ud5d8 \uacc4\ub9ac \ubaa8\ub378\uc744 \uc704\ud55c \uc7a5\uae30 \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub370\uc774\ud130 \ubd80\uc871<\/li>\n<li class=\"toc-level-3\">4.3.2 \ube60\ub974\uac8c \uc9c4\ud654\ud558\ub294 \uc704\ud611 \ubca1\ud130\ub85c \uc778\ud55c \ub192\uc740 \ubaa8\ub378 \ubd88\ud655\uc2e4\uc131<\/li>\n<li class=\"toc-level-3\">4.3.3 &#8220;\uc0ac\uc77c\ub7f0\ud2b8 \uc0ac\uc774\ubc84&#8221; \uc870\ud56d\uc5d0 \ub300\ud55c \uaddc\uc81c \ubd88\ud655\uc2e4\uc131<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc5ed\ub7c9 \uc81c\uc57d \ubc0f \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc7ac\ubcf4\ud5d8 \ud68c\uc758\ub860<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \uc0ac\uc2ac \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \uac70\uc2dc \uacbd\uc81c \uc694\uc778\uc758 \uc601\ud5a5<\/li>\n<li class=\"toc-level-2\">4.8 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.8.1 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.8.2 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.8.3 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.8.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.8.5 \uc0b0\uc5c5 \ub0b4 \uacbd\uc7c1<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uc81c\ud488 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc0ac\uc774\ubc84 \ucc45\uc784 \ubcf4\ud5d8 \uc815\ucc45 \ud328\ud0a4\uc9c0<\/li>\n<li class=\"toc-level-3\">5.1.2 \ub3c5\ub9bd\ud615 \uc0ac\uc774\ubc84 \ucc45\uc784 \ubcf4\uc7a5<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ubcf4\ud5d8 \uc778\uc218 \ub3c4\uad6c \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc704\ud5d8 \uc810\uc218\ud654 \ubc0f \ubd84\uc11d \ud50c\ub7ab\ud3fc<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc0ac\uc774\ubc84 \ub178\ucd9c \ubaa8\ub378\ub9c1 \ub3c4\uad6c<\/li>\n<li class=\"toc-level-3\">5.2.3 \ucde8\uc57d\uc810 \ud3c9\uac00 \ubc0f \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c<\/li>\n<li class=\"toc-level-3\">5.2.4 \ubcf4\ud5d8 \uacc4\ub9ac \ubc0f \uac00\uaca9 \ucc45\uc815 \uc5d4\uc9c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ubcf4\ud5d8\uc0ac<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc7ac\ubcf4\ud5d8\uc0ac<\/li>\n<li class=\"toc-level-3\">5.3.3 \ucd1d\uad04 \uad00\ub9ac \ub300\ub9ac\uc778 (MGA)<\/li>\n<li class=\"toc-level-3\">5.3.4 \ube0c\ub85c\ucee4 \ubc0f \ub300\ub9ac\uc778<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc870\uc9c1 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ub300\uae30\uc5c5 (\ucd1d\uc218\uc785\ubcf4\ud5d8\ub8cc 10\uc5b5 \ub2ec\ub7ec \ucd08\uacfc)<\/li>\n<li class=\"toc-level-3\">5.4.2 \uc911\uacac \ubcf4\ud5d8\uc0ac (\ucd1d\uc218\uc785\ubcf4\ud5d8\ub8cc 1\uc5b5 \ub2ec\ub7ec ~ 10\uc5b5 \ub2ec\ub7ec)<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc18c\uaddc\ubaa8 \ubc0f \uc804\ubb38 \ubcf4\ud5d8\uc0ac (\ucd1d\uc218\uc785\ubcf4\ud5d8\ub8cc 1\uc5b5 \ub2ec\ub7ec \ubbf8\ub9cc)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \ub7ec\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc911\ub3d9<\/li>\n<li class=\"toc-level-5\">5.5.5.1.1 \uac78\ud504 \ud611\ub825 \ud68c\uc758 (GCC)<\/li>\n<li class=\"toc-level-5\">5.5.5.1.2 \ud280\ub974\ud0a4\uc608<\/li>\n<li class=\"toc-level-5\">5.5.5.1.3 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-5\">5.5.5.2.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-5\">5.5.5.2.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-5\">5.5.5.2.3 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 {(\uae00\ub85c\ubc8c \uac1c\uc694, \uc2dc\uc7a5 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d \ud3ec\ud568)}\n<ul>\n<li class=\"toc-level-3\">6.4.1 CyberCube Analytics, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.2 Guidewire Software, Inc. (Cyence)<\/li>\n<li class=\"toc-level-3\">6.4.3 BitSight Technologies, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.4 Kovrr Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.5 At-Bay, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.6 Coalition, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.7 Resilience Cyber Insurance Solutions, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.8 Corvus Insurance Holdings, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.9 Safe Security, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 Axio Global LLC<\/li>\n<li class=\"toc-level-3\">6.4.11 RMS, a Moody\u2019s Analytics Company<\/li>\n<li class=\"toc-level-3\">6.4.12 Verisk Analytics, Inc. (ISO Cyber Analytics)<\/li>\n<li class=\"toc-level-3\">6.4.13 RiskLens, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 Paladin Cyber, Inc. (Upfort)<\/li>\n<li class=\"toc-level-3\">6.4.15 Cyberwrite Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.16 Zeguro, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.17 UpGuard, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.18 Arceo Labs, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.19 Black Kite, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.20 SecurityScorecard, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.21 Cytegic Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.22 CYE Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.23 NetDiligence Services, LLC<\/li>\n<li class=\"toc-level-3\">6.4.24 KYND Limited<\/li>\n<li class=\"toc-level-3\">6.4.25 Prevalion, Inc.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\uc774\ubc84 \ucc45\uc784 \ubc0f \uc778\uc218 \uc2ec\uc0ac \ub3c4\uad6c \uc2dc\uc7a5 \uac1c\uc694<\/p>\n<p>\uc0ac\uc774\ubc84 \ucc45\uc784 \ubc0f \uc778\uc218 \uc2ec\uc0ac \ub3c4\uad6c \uc2dc\uc7a5\uc740 2025\ub144 156.6\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2030\ub144\uae4c\uc9c0 282.0\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub418\uba70, \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 12.49%\ub97c \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774 \uc2dc\uc7a5\uc740 \uc124\ubb38\uc9c0 \uae30\ubc18\uc758 \uc804\ud1b5\uc801\uc778 \uc778\uc218 \uc2ec\uc0ac \ubc29\uc2dd\uc5d0\uc11c AI \uae30\ubc18\uc758 \uc2e4\uc2dc\uac04 \ud50c\ub7ab\ud3fc\uc73c\ub85c \ube60\ub974\uac8c \uc804\ud658\ub418\uace0 \uc788\uc73c\uba70, \ubc29\ub300\ud55c \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uc0c8\ub85c\uc6b4 \ucde8\uc57d\uc810\uc744 \ud30c\uc545\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub79c\uc12c\uc6e8\uc5b4 \ud65c\ub3d9\uc758 \uc99d\uac00, \uc6b4\uc601 \ubcf5\uc6d0\ub825\uc5d0 \ub300\ud55c \uaddc\uc81c \uc870\ud654, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubd84\uc11d \uae30\uc220\uc758 \ubc1c\uc804\uc774 \uc774\ub7ec\ud55c \ub3c4\uad6c\uc758 \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud2c8\uc0c8 \uc2dc\uc7a5 \uc81c\uacf5\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc0ac\ubaa8 \ud380\ub4dc \ud22c\uc790\uc640 \uac19\uc740 \uc790\ubcf8 \uc720\uc785 \uc99d\uac00\ub294 \uc81c\ud488 \ubc94\uc704\uc640 \uc9c0\ub9ac\uc801 \ub3c4\ub2ec \ubc94\uc704\ub97c \ud655\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uc0c1\ud638 \uc5f0\uacb0\ub41c \uc778\ud504\ub77c\uac00 \uc190\uc2e4 \uc2ec\uac01\ub3c4\ub97c \uc99d\ud3ed\uc2dc\ud0a4\uba74\uc11c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc2dc\uc2a4\ud15c\uc801 \uc704\ud5d8 \ub178\ucd9c\uc744 \uc815\ub7c9\ud654\ud574\uc57c \ud558\ub294 \uc555\ubc15\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>1. \uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d<\/p>\n<p>*   \uc81c\ud488 \uc720\ud615\ubcc4: \ub3c5\ub9bd\ud615 \uc0ac\uc774\ubc84 \ucc45\uc784 \ubcf4\ud5d8\uc740 2024\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728 45.2%\ub97c \ucc28\uc9c0\ud558\uba70 \uc9c0\ubc30\uc801\uc778 \uc704\uce58\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158\uc740 2030\ub144\uae4c\uc9c0 18.1%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc778\uc218 \uc2ec\uc0ac \ub3c4\uad6c \uc720\ud615\ubcc4: \uc704\ud5d8 \uc810\uc218 \ubc0f \ubd84\uc11d \ud50c\ub7ab\ud3fc\uc740 2024\ub144 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 40.8%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c\ub294 2030\ub144\uae4c\uc9c0 \uc5f0\uac04 19.2%\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \ubcf4\ud5d8\uc0ac\ub294 2024\ub144 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc218\uc694\uc758 55.3%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \ucd1d\uad04 \uad00\ub9ac \ub300\ub9ac\uc778(MGA)\uc740 17.1%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub978 \ud655\uc7a5\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc870\uc9c1 \uaddc\ubaa8\ubcc4: \ucd1d \uc218\uc785 \ubcf4\ud5d8\ub8cc 10\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ub300\uae30\uc5c5\uc774 2024\ub144 \uc2dc\uc7a5\uc758 48.2%\ub97c \uc810\uc720\ud588\uc73c\uba70, \uc911\uc18c \ubc0f \uc804\ubb38 \ubcf4\ud5d8\uc0ac\ub294 15.4%\uc758 CAGR\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \ubd81\ubbf8\ub294 2024\ub144 \uc218\uc775 \uc810\uc720\uc728 62.2%\ub85c \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud588\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2030\ub144\uae4c\uc9c0 14.5%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<\/p>\n<p>2. \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \uc131\uc7a5 \ub3d9\ub825<\/p>\n<p>*   \ub79c\uc12c\uc6e8\uc5b4 \uacf5\uaca9\uc758 \ube48\ub3c4 \ubc0f \uc2ec\uac01\uc131 \uc99d\uac00: 2024\ub144\uc5d0\ub294 \uc870\uc9c1\uc758 59%\uac00 \ub79c\uc12c\uc6e8\uc5b4 \uacf5\uaca9\uc758 \uc601\ud5a5\uc744 \ubc1b\uc558\uc73c\uba70, \ud3c9\uade0 \uc0ac\uace0 \ube44\uc6a9\uc740 185\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4. 2024\ub144 7\uc6d4 CrowdStrike \uc11c\ube44\uc2a4 \uc911\ub2e8 \uc0ac\ud0dc\ub294 Fortune 500 \uae30\uc5c5\uc5d0 54\uc5b5 \ub2ec\ub7ec\uc758 \uc190\uc2e4\uacfc 15\uc5b5 \ub2ec\ub7ec\uc758 \ubcf4\ud5d8\uae08 \uc9c0\uae09\uc744 \ucd08\ub798\ud558\uba70 \uc2dc\uc2a4\ud15c\uc801 \uc704\ud5d8 \uc9d1\uc911\uc744 \ub4dc\ub7ec\ub0c8\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\ub8cc \ucc45\uc815\uc744 \uc704\ud574 \uc138\ubd84\ud654\ub41c \uc704\ud611 \uc778\ud154\ub9ac\uc804\uc2a4\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc73c\uba70, \ud30c\ub77c\uba54\ud2b8\ub9ad \ud2b8\ub9ac\uac70\ub97c \ud1b5\ud55c \uc989\uac01\uc801\uc778 \uc190\ud574 \ubc30\uc0c1 \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \uc758\ubb34: 2025\ub144 1\uc6d4 \ubc1c\ud6a8\ub41c \uc720\ub7fd\uc758 \ub514\uc9c0\ud138 \uc6b4\uc601 \ubcf5\uc6d0\ub825\ubc95(DORA)\uc740 \uc720\ub7fd \uae08\uc735 \uae30\uad00\uc5d0 \uac15\ub825\ud55c ICT \ud1b5\uc81c\ub97c \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc640 \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc720\uc0ac \ubc95\uaddc\ub3c4 \ucc45\uc784 \uae30\uc900\uc744 \ud655\ub300\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc778\uc218 \uc2ec\uc0ac \uc5d4\uc9c4\uc774 \uac70\ubc84\ub10c\uc2a4 \uc131\uc219\ub3c4, \uc0ac\uace0 \ub300\uc751 \uc900\ube44, \uc81c3\uc790 \uac10\ub3c5\uc744 \uae30\uc220\uc801 \ud1b5\uc81c\uc640 \ud568\uaed8 \ud3c9\uac00\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \uc870\ud654\ub294 \ud50c\ub7ab\ud3fc\uc774 \uad00\ud560 \uad6c\uc5ed \uac04 \ub370\uc774\ud130\ub97c \ud45c\uc900\ud654\ud558\uc5ec \uad6d\uacbd \uac04 \ud504\ub85c\uadf8\ub7a8\uc758 \ubd88\ud655\uc2e4\uc131\uc744 \uc904\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<br \/>\n*   \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc778\uc218 \uc2ec\uc0ac \ud50c\ub7ab\ud3fc \ucc44\ud0dd \uc99d\uac00: \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc544\ud0a4\ud14d\ucc98\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc628\ud504\ub808\ubbf8\uc2a4 \uc81c\uc57d \uc5c6\uc774 \ud398\ud0c0\ubc14\uc774\ud2b8 \uaddc\ubaa8\uc758 \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. Google Cloud\uc758 Risk Protection Program\uc740 \uc790\ub3d9\ud654\ub41c \uc790\uc138 \uc2a4\uce90\ub2dd\uacfc \uc989\uac01\uc801\uc778 \ubcf4\ud5d8\ub8cc \uacac\uc801\uc744 \uacb0\ud569\ud558\uc5ec \uc778\ud504\ub77c \ud638\uc2a4\ud305\uacfc \uc778\uc218 \uc2ec\uc0ac\uc758 \uc735\ud569\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. AIG\uc758 CyberMatics\ub294 \uae30\uc5c5 \uace0\uac1d\uc5d0\uac8c \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ub97c \ubcf4\uace0\ud558\uc5ec \ubc18\ubcf5\uc801\uc778 \uac1c\uc120\uc774 \uac00\uaca9 \ucc45\uc815 \uc54c\uace0\ub9ac\uc998\uc5d0 \ubc18\uc601\ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4.<br \/>\n*   AI \uae30\ubc18 \uc704\ud611 \uc778\ud154\ub9ac\uc804\uc2a4 \ud1b5\ud569\uc758 \ubd80\uc0c1: \uc778\uacf5\uc9c0\ub2a5 \ubaa8\ub4c8\uc740 \uce68\ud574 \ub370\uc774\ud130\uc5d0\uc11c \uc7a0\uc7ac \ud328\ud134\uc744 \uac10\uc9c0\ud558\uace0 \uc190\uc2e4 \uc2ec\uac01\ub3c4\ub97c \uc608\uce21\ud569\ub2c8\ub2e4. CyberCube\uc758 Portfolio Manager Version 6\ub294 \uba38\uc2e0\ub7ec\ub2dd \ubd84\ub958\uae30\ub97c \uc801\uc6a9\ud558\uc5ec \uc218\ubc31\ub9cc \uac1c\uc758 \uc5d4\ub4dc\ud3ec\uc778\ud2b8\uc5d0 \uac78\uccd0 \uce58\uba85\uc801\uc778 \uc2dc\ub098\ub9ac\uc624\ub97c \uc2dc\ubbac\ub808\uc774\uc158\ud569\ub2c8\ub2e4. Bitsight\uc640 Moody&#8217;s\ub294 3\uc5b5 2,500\ub9cc \uac1c \uc870\uc9c1\uc744 \uacf5\ub3d9\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec \uae30\uc5c5 \uc815\ubcf4 \ubc0f \uc6d0\uaca9 \uce21\uc815 \uc785\ub825\uc73c\ub85c\ubd80\ud130 \uc0ac\uc774\ubc84 \uc704\ud611 \uc810\uc218\ub97c \ub3c4\ucd9c\ud569\ub2c8\ub2e4. AXA XL\uc758 \uc0dd\uc131\ud615 AI \ubcf4\uc99d\uc5d0\uc11c \ubcfc \uc218 \uc788\ub4ef\uc774, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub370\uc774\ud130 \uc624\uc5fc\uacfc \uac19\uc740 AI \uad00\ub828 \uc704\ud5d8\uc73c\ub85c \ubcf4\uc7a5 \ubc94\uc704\ub97c \ud655\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \ub9c8\uc774\ud06c\ub85c \uc0ac\uc774\ubc84 \uc81c\ud488\uc758 \ucd9c\ud604: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \ubc0f \uc2e0\ud765 \uc2dc\uc7a5\uc744 \uc911\uc2ec\uc73c\ub85c \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \ub9c8\uc774\ud06c\ub85c \uc0ac\uc774\ubc84 \uc81c\ud488\uc774 \ubd80\uc0c1\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ud655\uc7a5\ub420 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   IoT\/OT \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130\uc758 \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc810\uc218\ud654 \ud65c\uc6a9: \uc0b0\uc5c5 \uc9c0\uc5ed, \ud2b9\ud788 \ubd81\ubbf8\uc640 \uc720\ub7fd\uc744 \uc911\uc2ec\uc73c\ub85c IoT\/OT \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130\ub97c \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc810\uc218\ud654\uc5d0 \ud65c\uc6a9\ud558\ub294 \ucd94\uc138\uac00 \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>3. \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   \ubcf4\ud5d8 \uacc4\ub9ac \ubaa8\ub378\uc744 \uc704\ud55c \uc7a5\uae30 \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub370\uc774\ud130 \ubd80\uc871: \uce68\ud574\uac00 \ubc1c\uc0dd\ud55c \uc9c0 \uc218\ub144 \ud6c4\uc5d0 \uc190\uc2e4\uc774 \ub098\ud0c0\ub098\ub294 \uacbd\uc6b0, \uc804\ud1b5\uc801\uc778 \ube48\ub3c4-\uc2ec\uac01\ub3c4 \ubc29\ubc95\uc740 \ud55c\uacc4\ub97c \ubcf4\uc785\ub2c8\ub2e4. \ubcf4\uace0 \uc9c0\uc5f0\uacfc \uad00\ud560 \uad6c\uc5ed\ubcc4 \uaddc\uc81c \uacf5\uac1c\uc758 \ubd88\uc77c\uce58\ub294 \ub370\uc774\ud130\uc14b\uc744 \uc65c\uace1\ud558\uc5ec \ubcf4\ud5d8\ub8cc \uc624\ucc45\uc815\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4.<br \/>\n*   \uae09\ubcc0\ud558\ub294 \uc704\ud611 \ubca1\ud130\ub85c \uc778\ud55c \ub192\uc740 \ubaa8\ub378 \ubd88\ud655\uc2e4\uc131: \uc0c8\ub85c\uc6b4 \ucde8\uc57d\uc810\uacfc \uacf5\uaca9 \uae30\uc220\uc758 \ube60\ub978 \uc9c4\ud654\ub294 \ubaa8\ub378\uc758 \uc608\uce21\ub825\uc744 \uc800\ud574\ud558\uace0 \ubd88\ud655\uc2e4\uc131\uc744 \ub192\uc785\ub2c8\ub2e4.<br \/>\n*   &#8216;\uc0ac\uc77c\ub7f0\ud2b8 \uc0ac\uc774\ubc84&#8217; \uc870\ud56d\uc5d0 \ub300\ud55c \uaddc\uc81c \ubaa8\ud638\uc131: \uae30\uc874 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \uc815\ucc45\uc5d0 \uba85\uc2dc\uc801\uc778 \uc0ac\uc774\ubc84 \ubc30\uc81c \uc870\ud56d\uc774 \uc5c6\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uac00\uaca9\uc774 \ucc45\uc815\ub418\uc9c0 \uc54a\uc740 \ucc45\uc784\uc5d0 \ub178\ucd9c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Lloyd&#8217;s\uc758 \uba85\ud655\ud654 \ub178\ub825\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubd88\uc77c\uce58\uac00 \uc9c0\uc18d\ub418\uace0 \uc788\uc73c\uba70, \uc778\uc218 \uc2ec\uc0ac \ub3c4\uad6c\ub294 \ud14d\uc2a4\ud2b8 \ubd84\uc11d \uc5d4\uc9c4\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc774\ub7ec\ud55c \uc7a0\uc7ac\uc801 \ub178\ucd9c\uc744 \uc815\ub7c9\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc5ed\ub7c9 \uc81c\uc57d \ubc0f \uc7ac\ubcf4\ud5d8 \ud68c\uc758\ub860: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74, \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \ubbf8\uc131\uc219\uc73c\ub85c \uc778\ud574 \uc5ed\ub7c9 \uc81c\uc57d\uacfc \uc7ac\ubcf4\ud5d8\uc5d0 \ub300\ud55c \ud68c\uc758\ub860\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>4. \uc138\uadf8\uba3c\ud2b8\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \uc81c\ud488 \uc720\ud615: \ub3c5\ub9bd\ud615 \uc815\ucc45\uc740 \ud328\ud0a4\uc9c0 \uc0c1\ud488\uc5d0 \ub0b4\uc7ac\ub41c \ud558\uc704 \ud55c\ub3c4\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc804\uc6a9 \ubcf4\ud638\ub97c \uc694\uad6c\ud558\ub294 \uae30\uc5c5\ub4e4\uc758 \uc218\uc694\ub85c \uc778\ud574 \uc2dc\uc7a5\uc744 \uc9c0\ubc30\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158\uc740 \uc8fc\uc694 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc2dc\uc2a4\ud15c\uc801 \uc774\ubca4\ud2b8\uc5d0 \ub300\ube44\ud55c \uc5ed\ub7c9 \uc644\ucda9 \uc7a5\uce58\ub97c \ubaa8\uc0c9\ud568\uc5d0 \ub530\ub77c \uafb8\uc900\ud788 \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. Aon\uc758 &#8216;surge&#8217; \uad6c\uc870\uc640 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \uc5f0\uacc4 \uc99d\uad8c\uacfc \uac19\uc740 \ud601\uc2e0\uc774 \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc778\uc218 \uc2ec\uc0ac \ub3c4\uad6c \uc720\ud615: \uc704\ud5d8 \uc810\uc218 \ubc0f \ubd84\uc11d \ud50c\ub7ab\ud3fc\uc740 \ubcf4\ud5d8\uc0ac \ubc0f MGA\uc758 \ubd84\uc11d \uae30\ubc18\uc744 \ud615\uc131\ud558\uba70 2024\ub144 \uc218\uc775\uc758 40.8%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c\ub294 \uc8fc\uae30\uc801\uc778 \ud3c9\uac00\uc5d0\uc11c \uc0c1\uc2dc \uc6d0\uaca9 \uce21\uc815\uc73c\ub85c\uc758 \uc804\ud658\uc744 \ubc18\uc601\ud558\uba70 19.2%\uc758 CAGR\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. Liberty Mutual\uacfc BitSight\uc758 \ud611\ub825\uacfc \uac19\uc774 \ube44\uce68\uc2b5\uc801\uc778 \ub124\ud2b8\uc6cc\ud06c \ub4f1\uae09\uc744 \ub9e4\uc77c \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uc194\ub8e8\uc158\uc774 \ub4f1\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790: \ubcf4\ud5d8\uc0ac\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ucd5c\uc801\ud654 \ubc0f \ub204\uc801 \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud574 \uc608\uce21 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uba70 2024\ub144 \uc9c0\ucd9c\uc758 55.3%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. MGA\ub294 \ud2c8\uc0c8 \uc2dc\uc7a5 \ub178\ucd9c\uc5d0 \ub300\ud55c \ubbfc\ucca9\uc131 \ub355\ubd84\uc5d0 2030\ub144\uae4c\uc9c0 17.1%\uc758 CAGR\ub85c \uc810\uc720\uc728\uc744 \ub298\ub9b4 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub4e4\uc740 \ud654\uc774\ud2b8 \ub77c\ubca8 \ubd84\uc11d\uc744 \ucc44\ud0dd\ud558\uc5ec \ub3c5\uc810\uc801\uc778 \uc810\uc218\ud654\ub97c \ud1b5\ud574 \ucc28\ubcc4\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc870\uc9c1 \uaddc\ubaa8: \ucd1d \uc218\uc785 \ubcf4\ud5d8\ub8cc 10\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ub300\uae30\uc5c5\uc740 \uace0\uae09 \ubd84\uc11d \ud50c\ub7ab\ud3fc \ud655\ubcf4\uc5d0 \uc720\ub9ac\ud55c \uc790\uc6d0 \ub355\ubd84\uc5d0 2024\ub144 \uc218\uc775\uc758 48.2%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc911\uc18c \ubc0f \uc804\ubb38 \ubcf4\ud5d8\uc0ac\ub294 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc194\ub8e8\uc158\uc774 \uae30\uc220 \uacbd\uc7c1\uc758 \uc7a5\uc744 \ud3c9\uc900\ud654\ud568\uc5d0 \ub530\ub77c 15.4%\uc758 CAGR\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. QBE\uc758 \ubca4\ucc98 \uc804\ub7b5\uc740 \uae30\uc874 \uae30\uc5c5\ub4e4\uc774 \ud601\uc2e0 \uc0dd\ud0dc\uacc4\ub97c \uc721\uc131\ud558\ub294 \ubc29\uc2dd\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>5. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2024\ub144 62.2%\uc758 \uc218\uc775 \uc810\uc720\uc728\uc744 \uae30\ub85d\ud55c \ubd81\ubbf8\ub294 \uc131\uc219\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c, \uae4a\uc740 \uc790\ubcf8 \uc2dc\uc7a5, \uc815\uad50\ud55c \uc778\uc218 \uc2ec\uc0ac \ubd84\uc11d\uc744 \uc694\uad6c\ud558\ub294 \ub192\uc740 \uc0ac\uace0 \ube48\ub3c4\ub85c \uc778\ud574 \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2024\ub144 2\uc6d4 \ubc1c\ud45c\ub41c NIST \uc0ac\uc774\ubc84\ubcf4\uc548 \ud504\ub808\uc784\uc6cc\ud06c 2.0\uc740 \ud45c\uc900\ud654\ub41c \uc810\uc218\ud654\ub97c \uc704\ud55c \uacf5\ud1b5 \ud1b5\uc81c \uae30\uc900\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. Travelers\uc758 Corvus \uc778\uc218\uc640 \uac19\uc740 \uacbd\uc7c1 \uc555\ub825\uc740 \uae30\ub2a5 \ud1b5\ud569\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2030\ub144\uae4c\uc9c0 14.5%\uc758 CAGR\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc9c0\ub9cc, \ud604\uc7ac \uc810\uc720\uc728\uc740 \ubbf8\ubbf8\ud558\uc5ec \uc0c1\ub2f9\ud55c \uc131\uc7a5 \uc5ec\ub825\uc774 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc758 \uc0ac\uc774\ubc84\ubcf4\uc548\ubc95 \ud655\uc7a5 \ubc0f \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc0ac\uc774\ubc84\ubcf4\uc548\ubc95 2024\uc640 \uac19\uc740 \uaddc\uc81c \ubc1c\uc804\uc740 \ud575\uc2ec \uc778\ud504\ub77c \uc18c\uc720\uc790\uc5d0\uac8c \ubcf5\uc6d0\ub825 \uc870\uce58\ub97c \uc785\uc99d\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uba70, \uc774\ub294 \uc778\uc218 \uc2ec\uc0ac \ub370\uc774\ud130 \ubaa8\ub378\uc5d0 \uc9c1\uc811 \ubc18\uc601\ub429\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: 2025\ub144 \ubc1c\ud6a8\ub41c DORA\uc640 \uac19\uc740 \uc870\ud654\ub41c \uc9c0\uce68\uc758 \ud61c\ud0dd\uc744 \ubc1b\uace0 \uc788\uc73c\uba70, \uae08\uc735 \uae30\uad00\uc5d0 \uc5f0\uac04 ICT \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8\ub97c \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \ub3c5\uc77c\uc740 \uc5f0\uc18d\uc131 \uacc4\ud68d\uc744 \uac15\uc870\ud558\uc5ec \ub2e4\uc6b4\ud0c0\uc784 \uc601\ud5a5\uc744 \uc815\ub7c9\ud654\ud558\ub294 \uc2dc\ub098\ub9ac\uc624 \uae30\ubc18 \ubd84\uc11d\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \ucc3d\ucd9c\ud569\ub2c8\ub2e4. \uc601\uad6d\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubc0f \ubcf5\uc6d0\ub825 \ubc95\uc548\uc740 EU \ud45c\uc900\uacfc\uc758 \uc218\ub834\uc744 \ubaa9\ud45c\ub85c \ud558\uba70, \uad6d\uacbd \uac04 \ud504\ub85c\uadf8\ub7a8 \uc124\uacc4\ub97c \uc6a9\uc774\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub3c5\uc810\uc801\uc778 \uc810\uc218\ud654 \uc5d4\uc9c4\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ubd84\uc11d \uc81c\uacf5\uc5c5\uccb4\ub97c \uc778\uc218\ud558\uba74\uc11c \uacbd\uc7c1\uc774 \uc2ec\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5\uc740 \uc5ec\uc804\ud788 \uc801\ub2f9\ud788 \ubd84\uc0b0\ub418\uc5b4 \uc788\uc9c0\ub9cc, Travelers\uc758 Corvus \uc778\uc218(2024\ub144 1\uc6d4 \uc644\ub8cc)\uc640 \uac19\uc740 \uc9c0\uc18d\uc801\uc778 \ud1b5\ud569\uc740 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\uac00 \ub192\uc544\uc9c8 \uac83\uc784\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. \uae30\uc220 \ud30c\ud2b8\ub108\uc2ed \ub610\ud55c \uc911\uc694\ud558\uba70, Moody&#8217;s RMS\ub294 Bitsight\uc640 \ud611\ub825\ud558\uc5ec \uc7ac\ud574 \ubaa8\ub378\ub9c1\uacfc \uc678\ubd80 \ubcf4\uc548 \ub4f1\uae09\uc744 \uacb0\ud569\ud558\uace0, CyberCube\ub294 CatX\uc640 \ud611\ub825\ud558\uc5ec \uc804\ubb38 \ubd84\uc11d\uc744 \ub300\uccb4 \uc790\ubcf8 \uc2dc\uc7a5\uc73c\ub85c \ud655\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud30c\ub77c\uba54\ud2b8\ub9ad \uc81c\ud488 \ubc0f IoT\/OT \uc6d0\uaca9 \uce21\uc815 \uc810\uc218\ud654 \ubd84\uc57c\uc5d0\ub294 \ubbf8\uac1c\ucc99 \uae30\ud68c\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. Descartes Underwriting\uc740 \ub3c5\uc77c\uc5d0\uc11c SME\ub97c \ub300\uc0c1\uc73c\ub85c \ud30c\ub77c\uba54\ud2b8\ub9ad \uc0ac\uc774\ubc84 \ucee4\ubc84\ub97c \ucd9c\uc2dc\ud558\uc5ec \uc790\ub3d9\ud654\ub41c \ud2b8\ub9ac\uac70\uac00 \uc815\uc0b0 \uc8fc\uae30\ub97c \ub2e8\ucd95\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \uc8fc\uc694 \uae30\uc5c5\uc73c\ub85c\ub294 CyberCube Analytics, Guidewire Software, BitSight Technologies, At-Bay, Kovrr Ltd. \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>7. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 2\uc6d4: Descartes Underwriting\uc740 \ub3c5\uc77c\uc5d0\uc11c \ud30c\ub77c\uba54\ud2b8\ub9ad \uc0ac\uc774\ubc84 \ucee4\ubc84\ub97c \ucd9c\uc2dc\ud558\uc5ec SME\uc758 \uc5c5\ubb34 \uc911\ub2e8\uc5d0 \ub300\ud55c \uc2e0\uc18d\ud55c \uc9c0\uae09\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: Coalition\uc740 Affirmative AI Endorsement\ub97c \ucd94\uac00\ud558\uc5ec AI \uad00\ub828 \ubcf4\uc548 \uc2e4\ud328\uc5d0 \ub300\ud55c \uc815\uc758\ub97c \ud655\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: DUAL Europe\uc740 SME\ub97c \uc704\ud55c \ubcf4\ud5d8\uacfc \uc608\ubc29 \uc11c\ube44\uc2a4\ub97c \ubb36\uc740 Cyber Active Protect\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: F-Secure\uc640 Allianz Partners\ub294 \uacf5\ub3d9 \uc0ac\uc774\ubc84\ubcf4\uc548-\ubcf4\ud5d8 \uc2a4\uc704\ud2b8\ub97c \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uc0ac\uc774\ubc84 \ucc45\uc784 \ubc0f \uc5b8\ub354\ub77c\uc774\ud305 \ub3c4\uad6c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8\ub294 2025\ub144 156.6\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2030\ub144 282\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778\uc73c\ub85c\ub294 \ub79c\uc12c\uc6e8\uc5b4 \uacf5\uaca9\uc758 \ube48\ub3c4 \ubc0f \uc2ec\uac01\uc131 \uc99d\uac00, GDPR, CCPA, DORA\uc640 \uac19\uc740 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc81c \uac15\ud654, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc5b8\ub354\ub77c\uc774\ud305 \ud50c\ub7ab\ud3fc \ucc44\ud0dd \ud655\ub300, AI \uae30\ubc18 \uc704\ud611 \uc778\ud154\ub9ac\uc804\uc2a4 \ud1b5\ud569\uc758 \ubd80\uc0c1, \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \ub9c8\uc774\ud06c\ub85c \uc0ac\uc774\ubc84 \uc0c1\ud488\uc758 \ucd9c\ud604, \uadf8\ub9ac\uace0 \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc810\uc218\ud654\ub97c \uc704\ud55c IoT\/OT \uc6d0\uaca9 \uce21\uc815 \ub370\uc774\ud130\uc758 \uc218\uc775\ud654 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778\uc73c\ub85c\ub294 \ubcf4\ud5d8 \uacc4\ub9ac \ubaa8\ub378\uc744 \uc704\ud55c \uc7a5\uae30 \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub370\uc774\ud130 \ubd80\uc871, \ube60\ub974\uac8c \uc9c4\ud654\ud558\ub294 \uc704\ud611 \ubca1\ud130\ub85c \uc778\ud55c \ub192\uc740 \ubaa8\ub378 \ubd88\ud655\uc2e4\uc131, &#8220;\uc0ac\uc77c\ub7f0\ud2b8 \uc0ac\uc774\ubc84&#8221; \uc870\ud56d\uc5d0 \ub300\ud55c \uaddc\uc81c \ubaa8\ud638\uc131, \uadf8\ub9ac\uace0 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc5ed\ub7c9 \uc81c\uc57d \ubc0f \uc7ac\ubcf4\ud5d8 \ud68c\uc758\ub860 \ub4f1\uc774 \uc5b8\uae09\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \uc81c\ud488 \uc720\ud615(\uc0ac\uc774\ubc84 \ucc45\uc784 \ubcf4\ud5d8 \ud328\ud0a4\uc9c0, \ub3c5\ub9bd\ud615 \ubcf4\uc7a5, \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158), \uc5b8\ub354\ub77c\uc774\ud305 \ub3c4\uad6c \uc720\ud615(\uc704\ud5d8 \uc810\uc218\ud654 \ubc0f \ubd84\uc11d \ud50c\ub7ab\ud3fc, \uc0ac\uc774\ubc84 \ub178\ucd9c \ubaa8\ub378\ub9c1 \ub3c4\uad6c, \ucde8\uc57d\uc131 \ud3c9\uac00 \ubc0f \uc9c0\uc18d\uc801 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c, \ubcf4\ud5d8 \uacc4\ub9ac \ubc0f \uac00\uaca9 \ucc45\uc815 \uc5d4\uc9c4), \ucd5c\uc885 \uc0ac\uc6a9\uc790(\ubcf4\ud5d8\uc0ac, \uc7ac\ubcf4\ud5d8\uc0ac, MGA, \ube0c\ub85c\ucee4), \uc870\uc9c1 \uaddc\ubaa8, \uadf8\ub9ac\uace0 \uc9c0\uc5ed\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788, \uc7ac\ubcf4\ud5d8 \uc194\ub8e8\uc158\uc740 \uc2dc\uc2a4\ud15c\uc801 \uc0ac\uc774\ubc84 \uc774\ubca4\ud2b8\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc0ac\uc758 \uc5ed\ub7c9 \ud655\ubcf4 \ub178\ub825\uc5d0 \ud798\uc785\uc5b4 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 18.1%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ucde8\uc57d\uc131 \ud3c9\uac00 \ubc0f \uc9c0\uc18d\uc801 \ubaa8\ub2c8\ud130\ub9c1 \uc194\ub8e8\uc158 \ub610\ud55c 2030\ub144\uae4c\uc9c0 \uc5f0\uac04 19.2%\uc758 \ub192\uc740 \uc131\uc7a5\uc744 \uae30\ub85d\ud560 \uc804\ub9dd\uc785\ub2c8\ub2e4. \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc911\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc9c0\ucd9c\uc758 55.3%\ub97c \ucc28\uc9c0\ud558\uba70 \uc8fc\uc694 \uad6c\ub9e4\uc790\uc774\uba70, \uc804\ubb38 \ubd84\uc11d\uc744 \ucd94\uad6c\ud558\ub294 MGA(Managing General Agents)\uc758 \uc9c0\ucd9c\ub3c4 \ube60\ub974\uac8c \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8\uac00 2024\ub144 \uc804 \uc138\uacc4 \ub9e4\ucd9c\uc758 62.2%\ub97c \ucc28\uc9c0\ud558\uba70 \uc5b8\ub354\ub77c\uc774\ud305 \ubd84\uc11d \ucc44\ud0dd\uc744 \uc120\ub3c4\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc131\uc219\ud55c \uaddc\uc81c \ud658\uacbd\uacfc \uc815\uad50\ud55c \uc704\ud611 \uc694\uc778\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uc0ac\uc774\ubc84 \uaddc\uc81c \uac15\ud654\uc640 \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654\uc5d0 \ud798\uc785\uc5b4 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 14.5%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d \ubc0f CyberCube Analytics, Guidewire Software (Cyence), BitSight Technologies, Kovrr, At-Bay, Coalition, Resilience Cyber Insurance Solutions, Corvus Insurance Holdings, Safe Security, Axio Global, RMS, Verisk Analytics (ISO Cyber Analytics) \ub4f1 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uc0c1\uc138 \ud504\ub85c\ud544\uc744 \ub2e4\ub8f9\ub2c8\ub2e4. \ub610\ud55c, \ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd, \ud2b9\ud788 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5 \ubc0f \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c 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