Cyber Insurance Cover Calculator

Work out cyber insurance cover instantly with clear inputs, formula shown and shareable results.

About Cyber Insurance Cover Calculator

Cyber exposure has two main components: per-record breach response cost covering forensics, notification, credit monitoring and regulatory fines, and business interruption from systems being unavailable. Ransom and extortion exposures sit on top and are usually separately sub-limited.

Formulas

Breach response cost

Breach cost = Records held x Cost per record

Business interruption

BI cost = Cost per day x Expected outage days

Limit

Limit = Breach cost + BI cost, rounded up

Worked example

With the default values below, Cyber Insurance Cover Calculator returns Recommended cyber limit of $88,000,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Personal data records held: 250,000
Estimated response cost per record: 320
Business interruption cost per day: 1,500,000
Expected outage duration: 5

Results

Recommended cyber limit: $88,000,000.00
Data breach response exposure: $80,000,000.00
Business interruption exposure: $7,500,000.00
Breach response share of exposure: 91.43%

Step by step

1Values used
2Breach response cost
3Business interruption
4Limit
5Recommended cyber limit= 88,000,000.00
6Data breach response exposure= 80,000,000.00
7Business interruption exposure= 7,500,000.00
8Breach response share of exposure= 91.43

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax or compounding frequency into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

Frequently Asked Questions

What is a realistic cost per record?

Published breach studies put it in the range of USD 150-400 depending on sector, with healthcare and financial services at the top.

Does cyber insurance cover regulatory fines?

Sometimes, where insurable by law in the relevant jurisdiction. Many fines are uninsurable as a matter of public policy.