A key focus in this edition of COVER, is the growing risk in the cyber environment, several contributors are sounding the alarm, warning that the risk is much bigger than most businesses anticipate. I believe that the main reason for this stride mentality from the business environment and the insurance industry, is the fragmented manifestation of the risk and claims. However, the alarm calls should be heeded and the potential for a national or even global cyber pandemic should be a collective agenda, we need to tackle the issue on a grand collective scale.