In a market where cyber insurance pricing has held flat while the cost of claims quietly surges, Tokio Marine HCC has placed a familiar hand at the helm of its Cyber & Professional Lines Group. Brian Alva, a veteran of more than fifteen years in cyber and professional liability underwriting, returns as chief underwriting officer to an organization he helped shape before it was absorbed into the Tokio Marine family. His appointment speaks to a broader industry reckoning: the gap between what carriers charge and what ransomware and data breaches actually cost is no longer a distant concern, but