Some 2023 trends in cyber liability include increasing cyber regulations, “inside-out” underwriting, the return of ransomware, and social engineering fraud. Cyber regulations are increasing due to changes in the threat landscape and bans on ransomware payments. “Inside-out” underwriting is the use of third-party scanning technologies to help detect security weaknesses. The return of ransomware is a major issue, as ransomware losses have dropped in the past few months, but they have increased in severity and ransomware-as-service is on the rise. Finally, social engineering fraud has outpaced ransomware ones this year, fueled by the global shift to hybrid working.