HBR offers three sources of alternative revenue to fill the decline in auto premiums.

1. Cyber security. Insuring against cyber theft, ransomware, hacking, and the misuse of information related to automobiles can generate as much as $12 billion in annual premiums.  This can be even more critical to entire fleets, for example, if Amazon deploys fleets of autonomous vehicles to deliver packages.
2. Product liability.  The real risk for manufacturers is the potential for failure through software bugs, memory overflow, and algorithm defects, and the resulting massive liability.  Insuring against this is a $2.5 billion annual opportunity.
3. Infrastructure insurance.  Cloud server systems, signals, and other safeguards that will be put in place to protect riders and drivers offer an annual revenue potential of $500 million in premiums for property and casualty insurers