Frank Vanhoonacker is responsible for the development of cyber in Belgium and Luxembourg. Frank obtained a law degree at Ghent university in 1984 and started with AIG where he has served for over 30 years. Frank was always active in the area of liability and financial lines, including bankers' blanket policies, D&O and professional indemnity, the last line having become his specialty. In this role, Frank assisted many European countries in becoming an important player in this line of business. For the last six years, Frank has lead cyber development, a real challenge as it concerns a completely new insurance product with a different approach to traditional insurance policies.