The role of the insurance industry in driving improvements in cyber security has been identified as mutually beneficial for both insurers and policy-makers. To date, there has been no consideration of the roles governments and the insurance industry should pursue in support of this public–private partnership. This paper rectifies this omission and presents a framework to help underpin such a partnership, giving particular consideration to possible government interventions that might affect the cyber insurance market.

Digital technologies remediate trust, and in doing so, they produce new risks and vulnerabilities while redistribute old ones. By reviewing contemporary literature on the impact of digital technologies on institutional and interpersonal trust, this article offers a new approach to conceptualising how trust mediators operate, how they succeed and fail to absorb and redistribute risks.