Cyber Insurance Coverage Estimator
Industry
$
60%
3/5
Prior Incidents
Regulatory Requirements
Current Policy (Optional)
$
$
$
First-Party Coverage$6,270,000.00
Third-Party Coverage$2,377,625.00
Premium (Low Est.)$140,797.00/yr
Premium (High Est.)$211,196.00/yr
Deductible$216,191.00
Coverage Allocation
est. premium$176K
First-Party: $6.3M
Third-Party: $2.4M
Deductible: $216.2K
Premium Factor Breakdown
Industry Riskx1.20
Security Maturityx0.80
Prior Incidentsx1.00
Remote Workforcex1.06
Company Sizex1.00
Claims Scenarios
| Scenario↕ | Est. Cost↕ | Probability↕ | Expected Loss↕ | Covered?↕ |
|---|---|---|---|---|
| Ransomware Attack | $1.8M | 20% | $360K | N/A |
| Data Breach | $3.3M | 22% | $719.4K | N/A |
| Business Interruption | $3M | 15% | $450K | N/A |
| Regulatory Fine | $1.2M | 18% | $216K | N/A |
| Legal Defense | $900K | 12% | $108K | N/A |
Risk Factors
increases
High remote workforce
60% remote workers expand attack surface
increases
Regulatory requirements
GDPR compliance requirements increase coverage needs
Coverage Recommendations
- ● Minimum coverage: $8.6M
- ● GDPR: Verify policy covers EU regulatory fines up to 4% of global revenue
- ● Consider business email compromise and social engineering endorsements
- ● Request ransomware-specific coverage with sublimit