Cybersecurity Insurance Premium Estimator

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

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Cybersecurity Insurance Premium Estimator

Estimate your annual cybersecurity insurance premium based on revenue, industry risk profile, security maturity, and desired coverage limits. Results are indicative estimates for budgeting purposes.

Annual Revenue (USD)

Number of Employees

Industry Sector

Technology / SaaS Healthcare / Medical Financial Services / Banking Retail / E-Commerce Education Manufacturing Non-Profit Critical Infrastructure / Energy Professional Services Authority Government / Public Sector

Number of Sensitive Records Held

Coverage Limit (USD)

$250,000 $500,000 $1,000,000 $2,000,000 $5,000,000 $10,000,000

Deductible (USD)

$1,000 $2,500 $5,000 $10,000 $25,000 $50,000

Multi-Factor Authentication (MFA) Deployed?

Yes — All critical systems Yes — Partial deployment No

Endpoint Detection & Response (EDR) in Place?

Yes No

Offline / Immutable Backups?

Yes — Tested regularly Yes — Not regularly tested No

Security Awareness Training?

Yes — Annual or more frequent Yes — Ad hoc No

Prior Cyber Incidents in Last 3 Years?

None 1 incident 2 or more incidents

Third-Party Vendor Access to Systems?

No / Minimal Yes — Managed / Monitored Yes — Unmanaged

Estimate Premium Your estimated premium will appear here.

function cybCalc() { // --- Inputs --- var revenue = parseFloat(document.getElementById('cyb-revenue').value); var employees = parseFloat(document.getElementById('cyb-employees').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 deductible = parseFloat(document.getElementById('cyb-deductible').value); var mfaMult = parseFloat(document.getElementById('cyb-mfa').value); var edrMult = parseFloat(document.getElementById('cyb-edr').value); var backupMult = parseFloat(document.getElementById('cyb-backup').value); var trainingMult = parseFloat(document.getElementById('cyb-training').value); var incidentMult = parseFloat(document.getElementById('cyb-incident').value); var thirdMult = parseFloat(document.getElementById('cyb-thirdparty').value);

// --- Validation --- var errors = []; if (isNaN(revenue) || revenue 0) { document.getElementById('cyb-result').innerHTML = '⚠ ' + errors.join('⚠ ') + ''; return; }

// --------------------------------------------------------------- // FORMULA // // Step 1: Base Rate per $1,000 of coverage // Base rate is derived from industry actuarial loss ratios. // Typical market base rate: ~$2.50–$4.00 per $1,000 of coverage // for a $1M limit at median risk profile. // This calculator uses $3.00 / $1,000 as the market anchor. // // base_premium = (coverage / 1000) * base_rate_per_1k // base_rate_per_1k = 3.00 (USD per $1,000 coverage) // // Step 2: Revenue Exposure Factor // Larger revenues = larger attack surface & loss potential. // revenue_factor = 1 + 0.08 * log10(revenue / 1,000,000) // (log10 dampens the effect for very large firms) // // Step 3: Employee Exposure Factor // More employees = more phishing targets, endpoints. // employee_factor = 1 + 0.04 * log10(max(employees, 1)) // // Step 4: Records Exposure Factor // PII/PHI records drive breach notification costs. // records_factor = 1 + 0.06 * log10(max(records, 1) + 1) // // Step 5: Deductible Credit // Higher deductible = lower premium (insurer risk transfer). // deductible_credit = 1 - 0.10 * log10(deductible / 5000 + 1) // Anchored at $5,000 deductible (no credit/penalty). // // Step 6: Security Controls Multiplier (composite) // controls_mult = mfa * edr * backup * training // // Step 7: Final Premium // premium = base_premium // * industry_mult // * revenue_factor // * employee_factor // * records_factor // * deductible_credit // * controls_mult // * incident_mult // * thirdparty_mult // ---------------------------------------------------------------

var BASE_RATE_PER_1K = 3.00;

var basePremium = (coverage / 1000) * BASE_RATE_PER_1K;

var revenueFactor = 1 + 0.08 * Math.log10(Math.max(revenue, 1000000) / 1000000); var employeeFactor = 1 + 0.04 * Math.log10(Math.max(employees, 1)); var recordsFactor = 1 + 0.06 * Math.log10(Math.max(records, 1) + 1); var deductibleCredit = 1 - 0.10 * Math.log10(deductible / 5000 + 1);

// Clamp deductible credit so it stays in [0.80, 1.10] deductibleCredit = Math.min(1.10, Math.max(0.80, deductibleCredit));

var controlsMult = mfaMult * edrMult * backupMult * trainingMult;

var annualPremium = basePremium * industryMult * revenueFactor * employeeFactor * recordsFactor * deductibleCredit * controlsMult * incidentMult * thirdMult;

// Monthly premium var monthlyPremium = annualPremium / 12;

// Premium as % of coverage var premiumPct = (annualPremium / coverage) * 100;

// Risk score (0–100): higher = riskier // Derived from multipliers relative to ideal (all controls on, no incidents) var idealMult = 0.85 * 0.88 * 0.90 * 0.92 * 1.0 * 1.0; // best-case controls var worstMult = 1.0 * 1.0 * 1.0 * 1.0 * 1.60 * 1.20; // worst-case var currentMult = controlsMult * incidentMult * thirdMult; var riskScore = Math.round(((currentMult - idealMult) / (worstMult - idealMult)) * 100); riskScore = Math.min(100, Math.max(0, riskScore));

var riskLabel = riskScore ' + 'Monthly Premium' + fmt(monthlyPremium) + '' + 'Coverage Limit' + fmt(coverage) + '' + 'Deductible' + fmt(deductible) + '' + 'Premium as % of Coverage' + fmtPct(premiumPct) + '' + 'Base Premium (before adjustments)' + fmt(basePremium) + '' + 'Industry Risk Multiplier' + industryMult.toFixed(2) + 'x' + 'Security Controls Multiplier' + controlsMult.toFixed(4) + 'x' + 'Incident History Multiplier' + incidentMult.toFixed(2) + 'x' + 'Risk Score' + riskScore + ' / 100 (' + riskLabel + ')' + '' + '* This is a budgetary estimate. Actual premiums are set by underwriters after full risk assessment.

'; }

#### Formula

Annual Premium = Base Premium × Industry Multiplier × Revenue Factor × Employee Factor × Records Factor × Deductible Credit × Controls Multiplier × Incident Multiplier × Third-Party Multiplier

Base Premium = (Coverage Limit ÷ 1,000) × $3.00 — anchored to market base rate of $3.00 per $1,000 of coverage
Revenue Factor = 1 + 0.08 × log₁₀(Revenue ÷ $1,000,000) — logarithmic scaling of revenue exposure
Employee Factor = 1 + 0.04 × log₁₀(Employees) — endpoint and phishing surface scaling
Records Factor = 1 + 0.06 × log₁₀(Records + 1) — breach notification cost driver
Deductible Credit = 1 − 0.10 × log₁₀(Deductible ÷ $5,000 + 1) — clamped to [0.80, 1.10]
Controls Multiplier = MFA × EDR × Backup × Training — each control reduces premium independently
Industry Multiplier: Healthcare 1.5×, Financial 1.4×, Critical Infrastructure 1.6×, Technology 1.0×, Non-Profit 0.9×, etc.
Incident Multiplier: No incidents 1.0×, 1 prior incident 1.25×, 2+ incidents 1.60×
Third-Party Multiplier: None 1.0×, Managed 1.10×, Unmanaged 1.20×

#### Assumptions & References

Base rate of $3.00 per $1,000 of coverage reflects 2023–2024 U.S. cyber insurance market median for SMB/mid-market (Marsh, Woodruff Sawyer market reports).
Industry multipliers derived from Verizon DBIR 2024 breach frequency by sector and Coalition Cyber Insurance Claims Report 2023 loss ratios.
Security control discounts (MFA, EDR, backups, training) are consistent with underwriter questionnaire credit schedules published by Chubb, Beazley, and Coalition.
Revenue and employee factors use logarithmic scaling to reflect diminishing marginal risk at very large firm sizes, consistent with Munich Re cyber actuarial guidance.
Records factor reflects average U.S. per-record breach cost of $165 (IBM Cost of a Data Breach Report 2023) driving notification and remediation costs.
Estimates are for budgeting and benchmarking only. Actual premiums require a full underwriting submission and broker negotiation.

Cybersecurity Insurance Premium Estimator

Cybersecurity Insurance Premium Estimator

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Cybersecurity Insurance Premium Estimator

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