Cyber Insurance Cost Estimator (B2B)
Estimate annual cyber insurance premiums for small and medium businesses. Covers data breaches, ransomware, business interruption, and regulatory fines.
Frequently asked questions
What does cyber insurance actually cover?
Policies typically cover: ransomware payments and negotiation, business interruption (lost revenue during outage), data breach response (forensics, remediation), regulatory fines (GDPR, CCPA), legal fees and settlements, credit monitoring for affected customers, and public relations. Exclusions include acts of war/terrorism, employee fraud, and fines from intentional violations.
Is cyber insurance expensive?
For small businesses with good security, it's surprisingly affordable — $50-150/month for $1M coverage. But costs rise steeply with employee count, industry risk, and the amount of sensitive data you handle. Healthcare companies storing PHI pay 5x more than construction firms.
Should every business buy cyber insurance?
If you have email or a website connected to the internet — yes. Ransomware is now a $300B/year global business and targets every industry. Even a 'small' breach (one employee clicks a phishing link) can cost $50k+ in downtime. Cyber insurance isn't just for tech companies — restaurants, dentists, accountants, and construction firms are all common targets.