Federal cyber insurance backstop should be tied to expiring terrorism insurance law, report recommends | CyberScoop<\/title> <link rel=\"canonical\" href=\"https:\/\/cyberscoop.com\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends\/\"> <meta property=\"og:locale\" content=\"en_US\"> <meta property=\"og:type\" content=\"article\"> <meta property=\"og:title\" content=\"Federal cyber insurance backstop should be tied to expiring terrorism insurance law, report recommends\"> <meta property=\"og:description\" content=\"Congress should use renewal of an expiring terrorism insurance program to create a federal backstop for cybersecurity insurance, according to a report out Tuesday that tries to thread many difficult needles to bolster an industry that its author says isn\u2019t developing fast enough. In an ideal world, cybersecurity insurance can be a valuable tool to [\u2026]\"> <meta property=\"og:url\" content=\"https:\/\/cyberscoop.com\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends\/\"> <meta property=\"og:site_name\" content=\"CyberScoop\"> <meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cyberscoop\/\"> <meta property=\"article:published_time\" content=\"2025-06-17T13:00:00+00:00\"> <meta property=\"og:image\" content=\"https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-5.jpg\"> <meta property=\"og:image:width\" content=\"1920\"> <meta property=\"og:image:height\" content=\"1280\"> <meta property=\"og:image:type\" content=\"image\/jpeg\"> <meta name=\"author\" content=\"Tim Starks\"> <meta name=\"twitter:card\" content=\"summary_large_image\"> <meta name=\"twitter:creator\" 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twomeows, Getty Images <\/figcaption><\/figure>\n<\/p><\/div>\n<\/header>\n<div class=\"single-article__content\">\n<div class=\"single-article__content-inner has-drop-cap\"> <html readability=\"50.812127045236\"><body readability=\"104.90857503153\"><\/p>\n<p>Congress should use renewal of an expiring terrorism insurance program to create a federal backstop for cybersecurity insurance, according to a report out Tuesday that tries to thread many difficult needles to bolster an industry that its author says isn\u2019t developing fast enough.<\/p>\n<p>In an ideal world, <a href=\"https:\/\/cyberscoop.com\/tag\/cyber-insurance\/\">cybersecurity insurance<\/a> can be a valuable tool to protect policyholders and push everyone into adopting better cyber practices, but it will need government intervention to reach its full potential amid an array of challenges, Nick Leiserson <a href=\"https:\/\/www.fdd.org\/analysis\/2025\/06\/17\/how-a-government-reinsurance-program-can-accelerate-maturation-of-the-cyber-insurance-market\/\">writes in a study<\/a> for the Foundation for Defense of Democracies, a D.C.-based think tank. <\/p>\n<p>\u201cDespite its massive growth over the past 20 years, cyber insurance is not living up to policymakers\u2019 expectations,\u201d Leiserson writes. \u201cThere is a significant coverage gap. Most damage caused by malicious cyber actors is not insured. The market remains immature, with significant year-over-year fluctuations in premiums, contracts, and underwriting. Cyber risk pricing remains nascent, and lessons from this market-driven approach have not filtered into broader cyber policy conversations or cybersecurity operational activities.\u201d<\/p>\n<p>CyberScoop is first to report on the paper, which anticipates the best bet for creating a federal cybersecurity reinsurance program is to tie it to the 2027 expiration of the Terrorism Risk Insurance Act (TRIA). Congress passed the law after the Sept. 11 terrorist attacks to create a federal backstop for massive events when insurance protection <a href=\"https:\/\/cyberscoop.com\/cyber-insurance-critical-infrastructure-house\/\">threatened to become scarce<\/a>.<\/p>\n<div class=\"ad ad--inline_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<p>Given how insurance contracts work, Congress\u2019 real deadline for reauthorizing TRIA is the end of 2026, so 2025 is a key year for taking action in order to begin holding hearings and writing legislation, Leiserson told CyberScoop.<\/p>\n<p><a href=\"https:\/\/www.lawfaremedia.org\/article\/federal-cyber-insurance-backstop-premature#:~:text=A%20backstop%20could%20create%20an,for%20a%20taxpayer%2Dfunded%20subsidy.\">Skeptics<\/a> of creating a TRIA-like cybersecurity reinsurance program contend it <a href=\"https:\/\/www.lawfaremedia.org\/article\/building-a-cyber-insurance-backstop-is-harder-than-it-sounds\">would be difficult<\/a> for a host of reasons, such as a lack of necessary data, and maybe inadvisable anyway due to the potential taxpayer burden and other factors.<\/p>\n<p>The proposal from Leiserson \u2014 who worked on cyber issues as a Hill staffer and at the Office of the National Cyber Director, and who is now senior vice president for policy at the Institute for Security and Technology \u2014 attempts to answer those challenges, as well as the ones currently facing the industry.<\/p>\n<p>The fundamental recommendation: \u201cCongress should design and authorize a reinsurance program designed to mitigate systemic risk associated with cyber incidents that are already covered by most cyber insurance policies. The program should provide for government coinsurance above a certain threshold, have a cap on total liability, and be funded through recoupment should it be triggered.\u201d<\/p>\n<p>The recoupment mechanism, Leiserson told CyberScoop, would be a kind of fee or tax on insurance companies paid over time. That would be applied after the government backstop is invoked when, say, \u201ca virulent worm spreads like wildfire across the globe,\u201d he wrote. Without a backstop, a sufficiently catastrophic attack would likely trigger the federal Stafford Act disaster recovery law, leaving the government and taxpayers on the hook anyway, he said.<\/p>\n<div class=\"ad ad--inline_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<p>Insurance companies would likely pass recoupment costs along to customers, but it\u2019s natural in the industry for an increase in risk to lead to higher premiums, he said. And if the backstop never got used, it \u201cwould simply allow the country to reap the benefits of cheaper capital and lower premiums today,\u201d he wrote.<\/p>\n<p>In light of existing coverage gaps, the point of limiting the proposal to risks already covered by cybersecurity insurance policies today is that a backstop program makes the cost of capital cheaper by protecting against \u201ctail risk\u201d in the form of a rare event, and that would translate into lower premiums for more coverage down the line, Leiserson said.<\/p>\n<p>The backstop should be accompanied by a requirement for data sharing by its participants, the paper recommends \u2014 data that\u2019s anonymized and shared with the government or a designated third party.<\/p>\n<p>\u201cValidated cyber incident data is difficult to come by,\u201d the study says. \u201cIt is even harder to find such data paired with information about the control environment on the victim\u2019s systems. Whether due to fears of reputational harms or lawsuits by shareholders or customers, victim organizations are quite reticent to share such data \u2014 but one of the few places they do share, at least to some extent, is with their insurers.\u201d<\/p>\n<p>Mark Montgomery, senior director of the Center on Cyber and Technology Innovation at the Foundation for Defense of Democracies, said the next step for the think tank is to write draft legislation and present it to lawmakers.<\/p>\n<p><\/body> <\/p>\n<footer class=\"single-article__footer\">\n<div class=\"author-card\" readability=\"7.7216117216117\">\n<div class=\"author-card__avatar\">\n<figure class=\"author-card__image-wrap\"> <img data-recalc-dims=\"1\" decoding=\"async\" class=\"author-card__image\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-1.jpg?w=640&ssl=1\" alt=\"Tim Starks\"> <\/figure>\n<\/p><\/div>\n<div class=\"author-card__details\" readability=\"10.901098901099\">\n<h4 class=\"author-card__name\">Written by Tim Starks<\/h4>\n<p> Tim Starks is senior reporter at CyberScoop. His previous stops include working at The Washington Post, POLITICO and Congressional Quarterly. An Evansville, Ind. native, he’s covered cybersecurity since 2003. Email Tim here: <a href=\"mailto:tim.starks@cyberscoop.com\">tim.starks@cyberscoop.com<\/a>. <\/div>\n<\/p><\/div>\n<div class=\"single-article__tags-container\">\n<h4 class=\"single-article__tags-title\">In This Story<\/h4>\n<\/p><\/div>\n<\/footer>\n<p> <\/html><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"single-article__ads js-single-article-sidebar\">\n<div class=\"ad ad--sidebar js-single-article-sidebar-5 ad--rightrail_1 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<div class=\"ad ad--sidebar js-single-article-sidebar-4 ad--rightrail_2 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div>\n<div class=\"ad ad--sidebar js-single-article-sidebar-3 ad--rightrail_3 \">\n<div class=\"ad__inner\"> <span class=\"screen-reader-text\">Advertisement<\/span> <\/div>\n<\/div><\/div>\n<\/article>\n<div class=\"popular-stories popular-stories--single-post\">\n<div class=\"popular-stories__container\">\n<h2 class=\"popular-stories__title\"> More Scoops <\/h2>\n<div class=\"popular-stories__stories\">\n<div class=\"popular-stories__cards\">\n<article class=\"post-item post-item--popular-stories-cards \" readability=\"20.081632653061\">\n<figure class=\"post-item__thumbnail\"> <a class=\"post-item__thumbnail-link\" href=\"https:\/\/cyberscoop.com\/national-cyber-director-harry-coker-looks-back-and-ahead-on-the-cyber-director-office\/\" tabindex=\"-1\"> <img data-recalc-dims=\"1\" loading=\"lazy\" width=\"505\" height=\"337\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-2.jpg?resize=505%2C337&ssl=1\" class=\"attachment-ratio-16-9-md size-ratio-16-9-md wp-post-image\" alt decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg 4096w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=300,200 300w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=768,512 768w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=1024,683 1024w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=1536,1024 1536w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=2048,1366 2048w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=600,400 600w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=252,168 252w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=505,337 505w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=1012,675 1012w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-6.jpg?resize=1264,843 1264w\" sizes=\"auto, (max-width: 505px) 100vw, 505px\"> <\/a><figcaption class=\"screen-reader-text\"> National Cyber Director Harry Coker Jr., speaks at CyberTalks in Washington, D.C., on Oct. 30, 2024. (Scoop News Group photo) <\/figcaption><\/figure>\n<header class=\"post-item__meta\" readability=\"3.3179723502304\">\n<h3 class=\"post-item__title\"> <a class=\"post-item__title-link\" href=\"https:\/\/cyberscoop.com\/national-cyber-director-harry-coker-looks-back-and-ahead-on-the-cyber-director-office\/\"> National Cyber Director Harry Coker looks back (and ahead) on the Cyber Director office <\/a> <\/h3>\n<p> It\u2019s made real strides, but there\u2019s a lot more that it could be doing, he said, and more that needs to be done. <\/p>\n<div class=\"post-item__byline\"> <span class=\"post-item__author\"> <span>By <\/span> <a class=\"post-item__author-link\" href=\"https:\/\/cyberscoop.com\/author\/tim-starkscyberscoop-com\/\"> Tim Starks <\/a> <\/span> <\/div>\n<p> <\/header>\n<p> <\/article>\n<article class=\"post-item post-item--popular-stories-cards \">\n<figure class=\"post-item__thumbnail\"> <a class=\"post-item__thumbnail-link\" href=\"https:\/\/cyberscoop.com\/cyber-insurance-critical-infrastructure-engineering-standards-congress\/\" tabindex=\"-1\"> <img data-recalc-dims=\"1\" loading=\"lazy\" width=\"252\" height=\"168\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-3.jpg?resize=252%2C168&ssl=1\" class=\"attachment-ratio-16-9-sm size-ratio-16-9-sm wp-post-image\" alt decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg 2119w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=300,200 300w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=768,512 768w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=1024,683 1024w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=1536,1025 1536w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=2048,1367 2048w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=600,400 600w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=252,168 252w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=505,337 505w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=1012,675 1012w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-7.jpg?resize=1263,843 1263w\" sizes=\"auto, (max-width: 252px) 100vw, 252px\"> <\/a><figcaption class=\"screen-reader-text\"> A group of LPG tankers are pictured in port along the ship channel in Houston, which leads to downtown Houston all the way to Galveston Bay, and then to the open waters of the Gulf of Mexico. (Getty Images) <\/figcaption><\/figure>\n<header class=\"post-item__meta\">\n<h3 class=\"post-item__title\"> <a class=\"post-item__title-link\" href=\"https:\/\/cyberscoop.com\/cyber-insurance-critical-infrastructure-engineering-standards-congress\/\"> Lawmakers must incentivize cyber protection for critical infrastructure <\/a> <\/h3>\n<div class=\"post-item__byline\"> <span class=\"post-item__author\"> <span>By <\/span> <a class=\"post-item__author-link\" href=\"https:\/\/cyberscoop.com\/author\/lucian-niemeyer\/\"> Lucian Niemeyer <\/a> <a class=\"post-item__author-link\" href=\"https:\/\/cyberscoop.com\/author\/alison-king\/\"> Alison King <\/a> <\/span> <\/div>\n<p> <\/header>\n<p> <\/article>\n<article class=\"post-item post-item--popular-stories-cards \">\n<figure class=\"post-item__thumbnail\"> <a class=\"post-item__thumbnail-link\" href=\"https:\/\/cyberscoop.com\/cyber-insurance-critical-infrastructure-house\/\" tabindex=\"-1\"> <img data-recalc-dims=\"1\" loading=\"lazy\" width=\"252\" height=\"168\" src=\"https:\/\/i0.wp.com\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-4.jpg?resize=252%2C168&ssl=1\" class=\"attachment-ratio-16-9-sm size-ratio-16-9-sm wp-post-image\" alt decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg 1920w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=300,200 300w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=768,512 768w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=1024,683 1024w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=1536,1024 1536w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=600,400 600w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=252,168 252w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=506,337 506w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=1013,675 1013w, https:\/\/ddi.mohflo.net\/wp-content\/uploads\/2025\/06\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends-8.jpg?resize=1265,843 1265w\" sizes=\"auto, (max-width: 252px) 100vw, 252px\"> <\/a><figcaption class=\"screen-reader-text\"> Steel oil pipes from a refinery. (Getty Images) <\/figcaption><\/figure>\n<header class=\"post-item__meta\">\n<h3 class=\"post-item__title\"> <a class=\"post-item__title-link\" href=\"https:\/\/cyberscoop.com\/cyber-insurance-critical-infrastructure-house\/\"> US businesses struggle to obtain cyber insurance, lawmakers are told <\/a> <\/h3>\n<div class=\"post-item__byline\"> <span class=\"post-item__author\"> <span>By <\/span> <a class=\"post-item__author-link\" href=\"https:\/\/cyberscoop.com\/author\/cvasquez\/\"> Christian Vasquez <\/a> <\/span> <\/div>\n<p> <\/header>\n<p> <\/article>\n<\/p><\/div>\n<\/p><\/div>\n<p> <\/div>\n<p>\n<\/div>\n<p> <\/p>\n<section class=\"latest-podcasts\">\n<h2 class=\"latest-podcasts__title\"> Latest Podcasts\t<\/h2>\n<\/section>\n<div class=\"top-categories\">\n<div class=\"top-categories__container\">\n<h3 class=\"top-categories__category-title\">Government<\/h3>\n<\/p><\/div>\n<div class=\"top-categories__container\">\n<h3 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{"id":7740,"date":"2025-06-17T08:00:00","date_gmt":"2025-06-17T13:00:00","guid":{"rendered":"https:\/\/cyberscoop.com\/?p=84910"},"modified":"2025-06-17T08:00:00","modified_gmt":"2025-06-17T13:00:00","slug":"federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends","status":"publish","type":"post","link":"https:\/\/ddi.mohflo.net\/index.php\/2025\/06\/17\/federal-cyber-insurance-backstop-should-be-tied-to-expiring-terrorism-insurance-law-report-recommends\/","title":{"rendered":"Federal cyber insurance backstop should be tied to expiring terrorism insurance law, report recommends"},"content":{"rendered":"