Cyber Insurance Premium Estimator

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

Estimate your organization's annual cyber insurance premium based on revenue, industry risk profile, data sensitivity, security posture, and claims history.

Annual Revenue (USD)

Your organization's total annual revenue in US dollars.

Industry Risk Category

-- Select Industry -- Low Risk – Manufacturing, Construction, Agriculture Moderate Risk – Retail, Hospitality, Education High Risk – Technology, Professional Services, Media Very High Risk – Healthcare, Pharma, Biotech Critical Risk – Financial Services, Banking, Insurance Critical Risk – Government, Defense, Utilities

Industries handling sensitive data or critical infrastructure carry higher premiums.

Number of Sensitive Records Held

Total PII, PHI, PCI, or other sensitive records stored or processed.

Desired Coverage Limit (USD)

Maximum payout limit per policy period (e.g. $1M, $5M, $10M).

Security Controls Score (0–100)

Self-assessed score: MFA, encryption, EDR, patching, backups, training, IR plan, etc.

Prior Cyber Claims (last 3 years)

None 1 Claim 2 Claims 3 or More Claims

Prior claims significantly increase premiums due to elevated risk profile.

Deductible / Retention (USD)

Higher deductibles reduce premiums. Typical range: $5,000–$100,000.

Estimate Premium

function cybCalc() { // --- Gather Inputs --- var revenue = parseFloat(document.getElementById('cyb-revenue').value); var industryMult = parseFloat(document.getElementById('cyb-industry').value); var records = parseFloat(document.getElementById('cyb-records').value); var coverage = parseFloat(document.getElementById('cyb-coverage').value); var secScore = parseFloat(document.getElementById('cyb-security').value); var claimsMult = parseFloat(document.getElementById('cyb-claims').value); var deductible = parseFloat(document.getElementById('cyb-deductible').value);

var resultDiv = document.getElementById('cyb-result');

// --- Validation --- var errors = []; if (isNaN(revenue) || revenue 100) errors.push("Security Controls Score must be between 0 and 100."); if (isNaN(claimsMult)) errors.push("Please select a Claims History option."); if (isNaN(deductible) || deductible = coverage) errors.push("Deductible must be less than the Coverage Limit.");

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

// --------------------------------------------------------------- // FORMULA // --------------------------------------------------------------- // Step 1: Base Rate from Revenue // Base Rate = Revenue × 0.001 (i.e., ~0.10% of revenue as starting point) // Capped floor at $500 and no hard ceiling at this stage. var baseRate = revenue * 0.001; baseRate = Math.max(baseRate, 500);

// Step 2: Coverage Limit Factor // Coverage Factor = (Coverage / 1,000,000) ^ 0.65 // Non-linear scaling: doubling coverage does not double premium. var coverageFactor = Math.pow(coverage / 1000000, 0.65); coverageFactor = Math.max(coverageFactor, 0.1);

// Step 3: Records Exposure Factor // Records Factor = 1 + (Records / 1,000,000) × 0.5 // Each 1M records adds 50% to the records component. var recordsFactor = 1 + (records / 1000000) * 0.5;

// Step 4: Security Controls Discount/Loading // Security Multiplier = 1.5 - (secScore / 100) // Score of 100 → multiplier = 0.50 (50% discount) // Score of 0 → multiplier = 1.50 (50% loading) // Score of 67 → multiplier = 0.83 (neutral ~17% discount) var securityMult = 1.5 - (secScore / 100); securityMult = Math.max(0.4, Math.min(securityMult, 1.6));

// Step 5: Deductible Credit // Deductible Credit = 1 - min(deductible / coverage, 0.40) // Higher deductible = lower premium, capped at 40% credit. var deductibleCredit = 1 - Math.min(deductible / coverage, 0.40);

// Step 6: Assemble Annual Premium // Premium = baseRate × coverageFactor × recordsFactor // × industryMult × securityMult × claimsMult × deductibleCredit var annualPremium = baseRate * coverageFactor * recordsFactor * industryMult * securityMult * claimsMult * deductibleCredit;

// Step 7: Rate-on-Line (ROL) check — sanity bound // ROL = Premium / Coverage; typical cyber ROL: 1%–15% var rol = (annualPremium / coverage) * 100;

// Soft floor: minimum $500 premium annualPremium = Math.max(annualPremium, 500);

// --------------------------------------------------------------- // Derived Metrics // --------------------------------------------------------------- var premiumPerRecord = records > 0 ? annualPremium / records : 0; var premiumPctRevenue = (annualPremium / revenue) * 100; var monthlyPremium = annualPremium / 12;

// Risk tier label var riskLabel, riskColor; if (rol = 80) secLabel = "Strong"; else if (secScore >= 55) secLabel = "Adequate"; else if (secScore >= 30) secLabel = "Weak"; else secLabel = "Critical";

// --------------------------------------------------------------- // Format helpers // --------------------------------------------------------------- function fmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0}); } function fmtD(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

// --------------------------------------------------------------- // Output // --------------------------------------------------------------- resultDiv.style.display = 'block'; resultDiv.innerHTML = '### Estimated Annual Cyber Insurance Premium ' + '' + fmt(annualPremium) + ' / year' +

'' + 'MetricValue' + 'Monthly Premium' + fmt(monthlyPremium) + '' + 'Coverage Limit' + fmt(coverage) + '' + 'Deductible / Retention' + fmt(deductible) + '' + 'Rate-on-Line (ROL)' + rol.toFixed(2) + '%' + 'Risk Tier' + riskLabel + '' + 'Premium as % of Revenue' + premiumPctRevenue.toFixed(3) + '%' + (records > 0 ? 'Premium per Sensitive Record' + fmtD(premiumPerRecord) + '' : '') + 'Security Posture' + secLabel + ' (' + secScore + '/100)' + '' +

'Note: This is a model-based estimate for planning purposes only. ' + 'Actual premiums are determined by underwriters following a full application, risk assessment, and market conditions. ' + 'Consult a licensed insurance broker for binding quotes.'; }

#### Formula & Methodology

Annual Premium = Base Rate × Coverage Factor × Records Factor × Industry Multiplier × Security Multiplier × Claims Multiplier × Deductible Credit

#### Assumptions & References

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References

Related Authorities

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