Calculators
Cyber Insurance Premium Estimator
Estimate a small business cyber insurance premium from limit, revenue, industry risk and security controls.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Budgeting cyber insurance
- Justifying security investments
- Preparing insurance applications
- Comparing quotes
About this tool
What the Cyber Insurance Premium Estimator does
Cyber insurance prices depend on the limit purchased, the size of the business, how much sensitive data it holds and its security controls. Insurers increasingly require multi-factor authentication, backups and endpoint detection, and offer better terms when they are in place. This framework uses factors you can calibrate with real quotes.
Formula
- Premium = base × (revenue ÷ 1M)^0.35 × (limit ÷ 1M)^0.75 × industry factor × (1 − 6% per control)
- Factors are planning assumptions to calibrate with real quotes
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Policy limit | 1M |
| Base premium per 1M limit for a small low-risk firm | $2,000 |
| Annual revenue | $5,000,000 |
| Industry risk | Average |
| Security controls in place (MFA, backups, EDR, training) | 3 |
| Result | Value |
|---|---|
| Estimated annual premium | $2,881 |
| Per month | $240 |
| Rate on line (premium ÷ limit) | 0.29% |
How to read the result
Without multi-factor authentication many insurers will decline cover or exclude ransomware; it is the single most important control.
Check whether the policy covers first-party costs (forensics, recovery, business interruption) as well as third-party liability.
Estimates for planning only. Actual premiums and benefits depend on the insurer, policy terms and underwriting.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
For small businesses, often from a few hundred to several thousand per year per million of cover, depending on risk.
Typically breach response, forensics, data restoration, business interruption, extortion and liability.
Yes; many insurers require them and price better risks lower.
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