Cyber Insurance Premium Calculator

Cyber insurance covers breach and ransomware. This calculator sizes premium.

Revenue

Records held

Coverage limit

Security score (1-10)

Sector factor

Premium estimate

$50,584

Security discount %

33.3%

Rate on revenue %

0.112%

How the math works

Base = revenue × 12 bps + records × $0.04. Security multiplier reduces premium for strong posture.

Security posture improvements (MFA, EDR, backups) deliver premium reductions of 30-60% from baseline. The improvement cost (tools + staff time) is typically $25-100k annually — usually less than the premium savings, making security investment self-funding through insurance savings alone.

How to Use

Enter revenue.
Enter records held count.
Enter coverage limit.
Enter security posture score (1-10).
Enter sector risk factor.
Read premium estimate.

Frequently Asked Questions

Coverage areas?

First-party: breach response, forensics, notification, credit monitoring. Third-party: regulatory fines, class action liability. Business interruption: lost revenue during recovery. Ransomware: payment + negotiation + recovery. Property: restoration of damaged systems.

Premium drivers?

Revenue, records held, sector (healthcare/finance = high, industrial = moderate, RE = moderate-low), security posture (MFA, patching, backups, training). Poor posture: 2-5x higher premium, often declined. Good posture: large discount.

2023-2024 market?

Cyber market hardened 2021-2023: premiums up 2-5x. Stabilized 2023-2024 with better underwriting. Ransomware requires explicit sub-limit. Lock up MFA, backups, EDR before renewal conversations.

What counsel should I involve?

Transactional attorney for contracts and guaranties. Environmental consultant for Phase I/II findings. Construction counsel for change-order disputes. Tenant-landlord counsel for habitability, evictions, and relocations. Small LLs try to DIY; institutional operators have a retained attorney on call. The cost of early advice is far less than the cost of a mistake made in its absence.