2025年科技行业风险报告：风险的复杂性

Contents Foreward High-tech properties raise aggregation concerns Seismic changes in casualty risk Adapting to an evolving risk landscape Navigating uncertainty as risks continueto evolve Safeguarding tech executives in an increasinglycomplex landscape Prevalent AI opens opportunities,amplifies risks Responding to a changing risk and insurancelandscape Interconnected systems raise the cyberrisk stakes Additional trending risk areas Foreword The technology sector is navigating an increasingly intricate risk landscape that demands a nuanced understanding andinnovative approaches to managing risks. The theme of Marsh’s 2025 technology risk report —The complexity of risk— reflectsthe multifaceted nature of the challenges we face today. In a world where risks emerge at an unprecedented pace, intertwine,and evolve in complexity, risk managers must adapt to a new reality. Ongoing global economic fluctuations, coupled with geopolitical tensions and supply chain disruptions, have intensified theneed for robust cost management and strategic agility across the technology industry. Additionally, the rapid advancementof artificial intelligence (AI) and other emerging technologies introduces both opportunities and vulnerabilities, furthercomplicating the risk landscape. Regulatory compliance has also become more intricate, with evolving standards andexpectations that require organizations to be more proactive and adaptive than ever before. In this dynamic environment, effective risk management is not just a necessity; it is a cornerstone of organizational resilienceand stakeholder trust. The ability to anticipate, comprehend, and mitigate risks is essential for navigating the complexities oftoday’s market. This report provides an overview of the accelerating challenges and opportunities within the tech industry, based on surveyresponses shared by our clients. Our findings illustrate interconnected sectors at a pivotal moment, actively seeking innovativesolutions to address the multifaceted risks that threaten stability and growth. As you explore this year’s report, I encourage you to reflect on the insights presented and consider how they can be leveragedto enhance your risk management strategies and foster trust with key stakeholders. Together, let’s transform these complexities into opportunities for sustainable growth and resilience in the face of uncertainty. Adapting to an evolving risk landscape In an era defined by rapid technological advancement, the risk landscape for tech companies is changing at anunprecedented pace. Organizations must adapt their risk management strategies and insurance programs toaddress the complexities and uncertainties arising from interconnected systems, emerging technologies, andevolving regulatory environments. This transformation is taking place against the backdropof an increasingly fractured global landscape, as outlinedin this year’sGlobal Risks Report, produced by the WorldEconomic Forum with strategic support from MarshMcLennan and other partners. Escalating geopoliticaland geoeconomic tensions could significantly influenceorganizations’ decision-making and growth strategies. Tech companies are also grappling with interconnectedchallenges, ranging from natural catastrophesdestroying properties and disrupting supply chains,to potential liabilities linked to product failures, to theincreasing prevalence of nuclear jury verdicts. Further,the pace of technological innovation has led to anexpanded definition of what constitutes a technologycompany and the products and services they provide(see Figure 1). This creates substantial challenges fortech companies in understanding and managing theiroff-strategy risks. This challenging risk landscape, however, isnot stopping tech companies from developingthe products of tomorrow. In fact, the majorityof respondents to this year’s survey said they aredeveloping new products and services(see Figure 2). 02|Majority of tech companies continue to develop new products and services Despite potential headwinds, tech companiescontinue to focus on innovation (see Figure 3).While a third of respondents to this year’s surveysaid they are expanding in new geographicmarkets, another third is focused on buildingstability and resilience, underscoring howeconomic and competitive pressures couldchallenge the growth trajectory of the industry. As technology permeates daily life, the risks fortechnology companies escalate and becomemore intricate. Core operational risks, such astechnology errors, system failures, and businessinterruptions, remain prevalent, with costs risingfor even minor incidents that can lead toshort interruptions. Moreover, the interconnected nature oftechnology means that vulnerabilities in onearea, or impacting one business, can havefar-reaching consequences. The potential forsystemic failures, coupled with the potentialfor black swan events, requires robust riskmanagement protocols and an insuranceprogram able to