Cyber talent involves using new-age technologies in the cyber insurance sector. This reduces the risks of cyber fraud and other AI-powered financial scams.
Cyber experts urge people to develop some cyber skills to stay safe from cyber insurance-based scams.
Traditional, easy-to-answer insurance questionnaires are being replaced by AI-powered technical analysis and evaluations.
The rise in the use of artificial intelligence has led to an increase in cyber fraud, including bank, money, and insurance scams. These scams often occur when a scammer impersonates a legitimate financial professional to withdraw money from users' accounts. The money is taken through fraudulent methods such as identity theft and voice phishing.
Cyber experts urge people to understand cyber threats and stay safe from such scams. The term "cyber talent" encompasses upgrading traditional finance systems to tech-powered, secure financial circuits.
Here is an insider look at how cyber talent is upgrading the cyber insurance industry.
Also read: Is Traditional Cybersecurity Dead? How AI and Zero Trust are Changing Protection
Cyber talent has the potential to transform the cyber insurance industry. With tech-powered collaborations, traditional, bulky paperwork can be reduced to easy-to-access, safe, and quick PDFs/insurance guides.
The rising complexity of cyber threats, such as ransomware and AI-driven attacks, has led insurers to move away from using standard questionnaires to analyse risk. Cybersecurity professionals, such as threat analysts and security engineers, conduct risk evaluation.
Given below are some key areas where cyber talent helps users in protecting their insurance and upgrading it using technology:
Traditional, easy-to-answer questionnaires are being replaced by technical analysis and evaluation. These include vulnerability scans and "outside-in" security ratings, guided by cybersecurity experts.
Cybersecurity experts enable insurers to continuously monitor an insured’s security posture. This enables users to get dynamic pricing. This enables adjusting premiums based on the effectiveness of control, irrespective of the company or industry.
Cyber experts guide insurers to reward organizations that adopt zero-trust architecture. The use of zero trust can reduce insurance premiums and breach costs.
India has emerged as both a high-risk market and a hub for cyber innovation. According to a recent report by CERT-In, around 2.04 million cybersecurity incidents were reported in India, all based on cyber threat risk.
With AI-enabled attacks being dependent on third-party ecosystems, the traditional playbook for cyber insurance is fast becoming outdated. The insurance environment is constantly updating.
Experts suggest that understanding emerging risks is important. This is an important step in creating more informed coverage strategies and foolproof risk models.
Given below are some future trends in cyber talent that you can expect :
Rising premiums and tighter underwriting: In 2023, due to increased loss rates, cyber insurance premiums in India increased by 50%. As of 2025, insurers are more selective. They usually ask for proof of cybersecurity maturity before issuing policies.
Customized Policy: The traditional standard policies are fading. Industry-specific risks, such as manufacturing system outages and IP theft in pharma, demand more tailored policy and regulatory frameworks.
Active Partnerships: Insurers, regulators, and CISOs partner to build tech-powered, advanced response, and threat intelligence models. India’s National Cyber Coordination Centre (NCCC) is now providing real-time data exchange. The aim is to upgrade the traditional underwriting format.
Updates on Global Regulatory Policies: India's DPDP Act is now in effect. Frameworks, including ISO 27001, are being widely adopted. Soon, compliance will also be required to obtain new policies or renew existing ones.
With the rise of generative AI and autonomous systems, insurers introduce specific clauses to address AI-related risks. This includes:
Liability for AI-generated content
Looking ahead, every user can expect future policies to include compliance with standards like ISO/IEC 42001 and add AI-specific exclusions.
Also read: Cybersecurity Audit: Learn how to perform one step-by-step
1. What is cyber talent?
Ans: Cyber talent uses tech-powered collaboration to reduce bulky paperwork into easy-to-access, safe, and quick PDFs/insurance guides.
2. What is cyber fraud?
Ans: Cyber fraud is a form of scamming people through online platforms, especially online banking and transactions.
3. What is voice phishing?
Ans: Voice phishing is the use of AI to mimic one’s voice, pretending to be that person for fraudulent activities.
4. What are the updates for global regulatory policies?
Ans: India's DPDP Act is now in effect. Frameworks, including ISO 27001, are being widely adopted.
5. What is the role of cyber talent in cyber insurance?
Ans: Cyber talent can help update traditional insurance policies by adding specific clauses to address AI-related risks.