Core Viewpoints - The insurance industry is undergoing significant transformation due to digital technologies, which raises legal, economic, and ethical challenges [4][5][6]. Group 1: Cyber Insurance and Risk Management - A multilayered insurance arrangement involving government participation is proposed to provide better compensation mechanisms for victims of cyber warfare while limiting insurers' risk exposure [9][10]. - The need for a balance between the duty to disclose health information and the protection of personal privacy in private health insurance contracts is emphasized, especially in the digital age [11][12]. Group 2: Regulatory Frameworks and AI Risks - The new EU legal framework aims to address the insurability of AI-related risks, but uncertainties regarding risk foreseeability and moral hazards remain [12]. - Robo-advisory services in the insurance sector are analyzed under the EU regulatory framework, focusing on user self-determination and protection [14][13]. Group 3: Historical Perspectives and Consumer Behavior - A historical analysis of insurance demand reveals a "two-bump curve" rather than the expected "S-curve," indicating significant shifts in consumer behavior over time [17]. - Consumers show a strong preference for sustainable insurance products, even at higher price points, influenced by brand perception and product quality [19]. Group 4: Employee Relations and Financial Performance - Investment in employee relations correlates positively with financial performance in the US insurance industry, with smaller insurers benefiting the most from such investments [20][21].