2020 has been a challenging year for cyber (re)insurance. Rise in ransomware claims and swelling loss ratios caused (re)insurers to review their cyber appetite, triggering correction in rates and reduction in available capacity. What have been the most notable developments in 2020 and where are we headed in 2021? To find out, listen to our 3rd Property & Casualty episode, where Bill Kaplan, Global Casualty Chief Underwriting Officer for Cyber Liability and Margaret Rose, Head of Financial Lines Americas for Specialty Insurance, share their views on insurance and reinsurance cyber markets in the US. Bill joined SCOR six years ago as the Professional Liability Team Leader. Prior to this, he spent 3 years at Protective Re as Director of Professional Liability Treaty. Bill has an MBA in Finance from the Loyola University of Chicago, and is still based in Chicago. Margaret is based in NYC. She began her career with SCOR as an underwriter for Professional Liability and Cyber in 2017. Previously, she worked as an underwriter for Axis and Tokyo Marine. She has also an MBA in Finance, from the New York University.