Cyber Insurance expert Sarah Stephens has been in this space specializing in cyber coverage since 2006. She believes you cannot properly assess an applicants cyber risk profile by merely looking at it through a technical lens Ms Stephens believes that the markets will inevitable mature and be able to adopt to the growing changes as they apply to being able to cover fines associated with violating GDPR. David Schaefer of AH&T Insurance said the 2016 report on the cyber markets had a penetration rate of about 27 percent.”]