Cyber Insurance Coverage Estimator

ANA›Life Services Authority›National Calculator Authority›Cyber Insurance Coverage Estimator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Cyber Insurance Coverage Estimator

Estimate the recommended cyber insurance coverage limit for your organization based on annual revenue, sensitive data volume, industry risk profile, and existing security controls.

Annual Revenue (USD)

Number of Sensitive Records Held

Industry Risk Category

-- Select Industry -- Low Risk (e.g. Manufacturing, Construction) Moderate Risk (e.g. Retail, Education) High Risk (e.g. Finance, Legal, Technology) Very High Risk (e.g. Healthcare, Government)

Security Posture Score (1 = Minimal, 5 = Advanced)

Third-Party Access / Vendors with System Access?

-- Select -- No third-party access Limited (1–5 vendors) Moderate (6–20 vendors) Extensive (20+ vendors)

Primary Data Environment

-- Select -- On-premises only Hybrid (on-prem + cloud) Primarily cloud-based

Estimate Coverage

function cybCalc() { var resultDiv = document.getElementById('cyb-result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';

// --- Collect inputs --- var revenue = parseFloat(document.getElementById('cyb-revenue').value); var records = parseFloat(document.getElementById('cyb-records').value); var industryMul = parseFloat(document.getElementById('cyb-industry').value); var security = parseFloat(document.getElementById('cyb-security').value); var tpaMul = parseFloat(document.getElementById('cyb-tpa').value); var cloudMul = parseFloat(document.getElementById('cyb-cloud').value);

// --- Validation --- var errors = []; if (isNaN(revenue) || revenue 5 || security % 1 !== 0) errors.push("Security Posture Score must be a whole number between 1 and 5."); if (isNaN(tpaMul)) errors.push("Select a Third-Party Access level."); if (isNaN(cloudMul)) errors.push("Select a Data Environment.");

if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// --------------------------------------------------------------- // FORMULA // // Step 1 – Revenue-based base exposure // Revenue Base = Annual Revenue × 0.10 // (Industry benchmark: cyber losses average ~10% of revenue in a major incident) // // Step 2 – Record-based exposure // Record Cost = Number of Records × $150 per record // (IBM/Ponemon 2023 avg cost per compromised record ≈ $165; we use $150 conservative) // // Step 3 – Raw Exposure = max(Revenue Base, Record Cost) // (Take the larger driver as the primary exposure anchor) // // Step 4 – Apply Industry Risk Multiplier (1.0 – 2.0) // // Step 5 – Apply Security Discount Factor // Security Factor = 1 + (3 - security) × 0.10 // Score 5 → 0.80 (20% discount), Score 1 → 1.20 (20% loading) // // Step 6 – Apply Third-Party Access Multiplier (1.0 – 1.35) // // Step 7 – Apply Cloud Environment Multiplier (1.0 – 1.10) // // Step 8 – Recommended Coverage = Raw Exposure × Industry × Security × TPA × Cloud // // Step 9 – Round up to nearest $250,000 policy limit tier // ---------------------------------------------------------------

var revenueBase = revenue * 0.10; var recordCost = records * 150; var rawExposure = Math.max(revenueBase, recordCost);

// Security factor: score 3 = neutral (1.0), score 5 = 0.80, score 1 = 1.20 var securityFactor = 1 + (3 - security) * 0.10;

var recommended = rawExposure * industryMul * securityFactor * tpaMul * cloudMul;

// Round up to nearest $250,000 var tier = 250000; var roundedCoverage = Math.ceil(recommended / tier) * tier;

// Enforce a sensible floor of $250,000 if (roundedCoverage ' + 'Revenue-Based Exposure (10% of revenue)' + fmt(revenueBase) + '' + 'Record-Based Exposure ($150 × ' + records.toLocaleString() + ' records)' + fmt(recordCost) + '' + 'Raw Exposure Anchor (larger of above)' + fmt(rawExposure) + '' + 'Industry Risk Multiplier' + industryMul.toFixed(2) + '×' + 'Security Posture Factor (score ' + security + ')' + securityFactor.toFixed(2) + '×' + 'Third-Party Access Multiplier' + tpaMul.toFixed(2) + '×' + 'Cloud Environment Multiplier' + cloudMul.toFixed(2) + '×' + 'Calculated Exposure' + fmt(recommended) + '' + 'Recommended Coverage Limit' + fmt(roundedCoverage) + '' + 'Suggested Deductible (~1% of limit)' + fmt(deductible) + '' + 'Estimated Annual Premium Range (0.5%–1.5%)' + fmt(premiumLow) + ' – ' + fmt(premiumHigh) + '' + '' + 'This is an indicative estimate only. Actual premiums and coverage limits depend on underwriter assessment, claims history, specific policy terms, and current market conditions. Consult a licensed insurance broker for a formal quote.

';

resultDiv.style.display = 'block'; resultDiv.innerHTML = html; }

#### Formula

Step 1 – Revenue Base: Annual Revenue × 10% Step 2 – Record Cost: Sensitive Records × $150 per record Step 3 – Raw Exposure: max(Revenue Base, Record Cost) Step 4 – Security Factor: 1 + (3 − Security Score) × 0.10    (Score 5 → 0.80 discount; Score 1 → 1.20 loading) Step 5 – Recommended Coverage:    Raw Exposure × Industry Multiplier × Security Factor × Third-Party Multiplier × Cloud Multiplier Step 6 – Round up to the nearest $250,000 policy limit tier Deductible: ~1% of coverage limit (rounded to nearest $5,000) Premium Range: 0.5% – 1.5% of coverage limit

#### Assumptions & References

More Calculators

Read Next

Firewall Rule Complexity Analyzer ANA › Life Services Authority › National Calculator Authority › Firewall Rule Complexity Analyzer .calc-container { max-width:...

Study Time Planner Authority Network America › Life Services Authority › National Calculator Authority .calc-container { max-width: 640px;...

References

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›