Quantum-Aware Risk Modeling Preparing Cyber Insurance for the Post-Quantum Era
Salam Al-E’mari, Yousef K. Sanjalawe, Fadi Fataftah · Advances in computational intelligence and robotics book series · 2025
Quantum computing poses significant risks to cybersecurity by threatening the integrity of widely used cryptographic systems like RSA, ECC, and DH. This chapter examines the urgency of rethinking traditional cyber insurance risk models in response to these quantum-enabled threats. It introduces a quantum-aware risk modeling approach that incorporates factors such as PQC migration readiness and dynamic premium adjustments. The chapter also explores how insurers can embed quantum resilience into policies through cryptographic agility requirements and third-party risk assessments. Regulatory initiatives, particularly NIST's PQC standardization, are discussed for their role in guiding industry preparedness. Simulated breach scenarios highlight potential challenges in underwriting and claim resolution in a post-quantum era. This chapter offers a forward-looking roadmap for building a resilient, adaptive cyber insurance ecosystem prepared for the quantum future.