Silent (or non-affirmative) cyber refers to cyber-related exposure within many all-risk general insurance products. If no explicit cyber exclusion applies, coverage for losses caused by cyber perils may apply. This underlying exposure’s potential for aggregated loss is currently one of the major issues being considered by the (re)insurance industry, according to Siobhan O’Brien, International Cyber Center of Excellence Leader, Guy Carpenter, and Erica Davis, North America Cyber Center of Excellence Leader, Guy Carpenter.