As threat landscapes and attack vectors evolve, so must underwriting models and product design frameworks. In this panel, cyber underwriters, data scientists, and product innovators share how they are advancing cyber risk assessment beyond legacy scorecards. Topics include advanced data sources for modeling, integrating real-time threat intelligence into pricing decisions, designing differentiated products for SMEs and enterprise customers, and balancing capacity with coverage breadth. What are the new success metrics for cyber underwriting? How do carriers quantify risk where data is sparse? And how are product teams building coverage that unlocks new markets while maintaining portfolio discipline?