Professional services
Cyber Insurance Calculator
Cyber cover sized against the records you hold and what a breach would cost to handle.
Result
An estimating tool, not insurance advice and not a quote. Underwriting sets real premiums on factors no calculator sees. What cover is appropriate is a question for a licensed broker. Per-record response costs vary widely by industry and by what data was exposed, and the figures published in breach studies are averages across very different incidents. Cyber policies differ more than most lines in what they actually cover: ransomware payments, social engineering fraud, and regulatory fines are each sometimes included, sometimes excluded and sometimes sub-limited. Read the wording rather than the limit.
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About this calculator
Does cyber cover ransomware?
Sometimes, and increasingly with conditions: required security controls, sub-limits, and in some cases exclusions for payments to sanctioned parties. It is the coverage area changing fastest.
We are small. Do we need it?
Small businesses are targeted precisely because their controls are weaker, and the response costs do not scale down proportionally. Notification and forensics have substantial fixed components.
The formula
breach cost = records x cost per record x industry factor; limit adds business interruption exposure
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